People like real options and want help evaluating those options from people they know and trust. SO when it comes to making decisions that are really important to them like insuring their families. Homes. Or businesses they Don't want to call a 1 800 # or click around on some WEBSITE or even talk to someone WHO CAN only offer ONE answer. AS an independent agent we are NOT captive to only ONE insurance carrier but have the ability to shop different brands AS well AS different POLICIES/PACKAGES SO we are able to tailor OUR clients insurance to what best suits their needs. Additionally. We have the opportunity to shop their rates on renewal should we SEE increases that are OUT of line with the industry standards.