How Do You Pick a Homeowners Insurance Agent?


UPDATED: DEC 2019 | 1 MIN READ

Choosing the right home insurance agent for your may require some research | AgileRates.com
Finding the right insurance agent can help you save big on your home plan.

To find the right homeowner’s insurance agent, you should first determine whether you want them to work for a specific carrier or if they should be an individual agent. Agents from a carrier might offer you better pricing, but with a less personal touch and fewer options overall. On the flip side, finding an individual agent will allow you to hash out all of your concerns and have someone in your corner to help navigate the claims process. If all else fails though, we suggest you use our site to find the best coverage for you. We have experience setting up people like you with local expert insurance agents.

Types of Insurance Agents

A Carrier’s In-House Home Insurance Agent

An In-House insurance agent works for a company like All-State, Geico, Progressive, or any other home insurance carrier. These companies typically staff their own in-house agents to sell policies to people that give them a call or fill out their online forms. If you’re confident about which company you want to get insurance from, then calling the carrier first-hand can get you better deals. Agents that work for the insurance carrier sometimes have special deals and rewards that either make the policy cheaper or provide fringe benefits. 

PROS
  • If you already know what you’re looking for in an insurance company, then they can be your best cost-saving option.
  • Laser-focused on a few products, which means greater overall knowledge of their company’s offerings.
CONS
  • There is a larger chance of denial with a company home insurance agent since the company might decide to write you off.
  • Any policy adjustments or cancellations means you’ll be without an agent to go to for support
  • Limited plan options

Individual Insurance Agent

Individual agents are what most people are familiar with. It’s possible that they work for a small broker that actually has ties to multiple insurance carriers in the area. What this means for you, is that they can offer you multiple quotes from different insurance companies quickly. It makes it much easier to shop around and since they’re not beholden to one company over another, it’s very likely they’ll speak their mind on the quality of the coverage. 

Speaking to an individual agent can be a great way to have a more personal feel to your insurance buying experience. Since many agents work solo or in small teams, you’re much more likely to get a more hands-on approach while you shop. It also might be possible for you to receive special bundled deals through agents as they usually sell more than one type of policy. Insurance bundling is one of the easiest ways to get discounts, especially if you need more than one type of policy. 

PROS
  • Offers policies from multiple insurance carriers and can potentially find better pricing for you through competition.
  • Can find coverage even if you’re a higher risk due to the number of companies they work with.
  • If your insurance carrier drops your coverage, an independent agent can help you find different coverage through another carrier.
  • If it’s important to you, these agents are easy to find locally.
CONS
  • May not offer the best pricing from any individual carrier.
  • If you find a solo agent then you’re completely reliant on them. It can be comforting to have a team to fall back on if they’re out on vacation.

How to choose your agent?

If you’re still not sure what type of agent you want, then we should be able to help. Our goal at AgileRates is to connect you with the best insurance agency for your needs. To do that, we assess your needs through our questionnaire and pair you with a company that fits you best. It takes all the guesswork out and we do the hard comparison shopping for you. If you’re interested in trying us out, it’s completely risk-free. Just fill out the form below.

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