Did you know that independent insurance agencies can be your most valuable friend in the world of insurance? They can help you save hundreds every year and let you search many insurance companies at once for the best deal. According to Value Penguin, just over 5% of insured homes file an insurance claim every year. While homeowners don't file claims too often, you'll still want to make sure you can navigate the world of insurance when the time comes. Here's how your independent insurance agents will have you covered.

Ever wonder if you've gotten the best deal on your insurance after signing up for car insurance online? Well, you won't have to with an independent insurance agency. Independent insurance agencies work with a variety of insurance companies, ensuring that you can directly compare insurance between multiple providers and get the best deal to protect your property with.

You may want to try a different provider than the one that you had your insurance with. For example, your auto coverage might be more competitive through one carrier, which specializes in auto insurance, but you may feel more comfortable having your home covered by a company that specializes in home insurance. Additionally, your life insurance might be better in the hands of a specialized underwriter in that field. Even if you move between providers, your independent insurance agent will be able to stay with you through the move because they're not required to provide service with only one insurance company.

In most cases, an independent insurance agent has a fiduciary responsibility to you. That means that they're required to treat your interests first, before theirs. In addition, most independent insurance agents work strictly on commission, which means they're paid a percentage of your premium amount for your insurance. In that case, it's not only your agent's responsibility to act for your benefit, but it's also in their best interest to keep you happy.

Independent insurance agencies work with companies of all sizes. Smaller companies may fit your family's needs at a lower price than nationwide companies like State Farm or American Family can. So, your agent will present the coverage proposals of small companies along with those of the larger companies.

Independent insurance agents have plenty of benefits for you. Call Hartke Insurance today to find out how we can help. We look forward to hearing from you.