Do I Need an Insurance Broker?
Answer 3 quick questions and we'll help you find the right broker
Question 1 of 3
What kind of insurance do you need?
Types of Insurance Coverage
🏠Home InsuranceHomeowners, condo, tenant, flood, fire coverage🚗Auto InsuranceCar, truck, motorcycle, fleet insurance❤️Life InsuranceTerm life, whole life, universal life, critical illness🏢Business InsuranceCommercial liability, property, professional indemnity🏥Health & Dental InsuranceExtended health, dental, vision, prescription coverage✈️Travel InsuranceTrip cancellation, medical abroad, emergency evacuation🛡️Disability InsuranceShort-term, long-term disability income protection🚛Commercial Auto & FleetTrucks, delivery vehicles, fleet management coverage💎Specialty InsuranceBoat, RV, collector car, jewelry, high-value items📋General Insurance BrokerFull-service insurance brokerage for all coverage types
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Frequently Asked Questions
What's the difference between an insurance broker and an agent?▾
A broker works for YOU — they shop multiple insurance companies to find the best coverage and price. An agent works for ONE insurance company and can only sell that company's products. Brokers can compare 10-20 insurers at once, saving you time and usually money.
Does an insurance broker cost more?▾
No — brokers are paid by the insurance companies through commissions, not by you. The price you pay for insurance is the same whether you go through a broker or directly to the insurer. But brokers often find better rates because they can compare multiple companies.
When should I use an insurance broker?▾
Use a broker when: you're buying a home, getting your first car insurance, starting a business, your renewal went up significantly, you've had claims and need help finding coverage, or you simply want someone to shop the market for you.
Can a broker help if I've been denied coverage?▾
Yes. Brokers have access to specialty markets and high-risk insurers that aren't available to the public. If you've been denied by one company — due to claims history, driving record, or property issues — a broker can often find coverage elsewhere.
How often should I review my insurance?▾
At least annually at renewal time. Also review whenever you: buy or sell a home, get a new vehicle, start a business, get married or divorced, have children, or make major purchases. Your broker should proactively reach out at renewal to review your coverage.