There are Different Types of Insurance Agencies?

By Daniel Herrenbruck
March 2023

If you work with a local insurance agency, bravo! In this ever-changing insurance marketplace, having a trusted agent that understands the complexities of home and auto insurance in Florida is paramount.

Did you know there are different types of insurance agencies?

Captive agents typically work with one company and may have the ability to bundle policies for savings. Also, having auto, home, and life insurance policies all with one company may make it easier to know who to contact with insurance questions.

However, if the company has a rate increase or decreases in coverages, it may leave you with take-it-or-leave options. Worst case scenario, you receive a non-renewal and your captive agent is unable to help find you a new company or leaves you with the “insurer of last resort”, Citizens.

Independent agents, conversely, work with an array of insurance companies. You may prefer working with an independent agent with more products and services, making sure your insurance plan is price competitive and the right fit for your coverage needs.

The Roe Agency has recently made the strategic decision to continue as an independent agency, with the freedom to seek out additional company options and the ability to offer coverage through multiple personal lines insurance markets for your home, auto, and more.

As we previously mentioned, the FL property insurance market is in turmoil. Excessive claim costs from unscrupulous litigation after catastrophic storms have completely changed our insurance landscape. Several insurance companies have reduced their exposures via non-renewals or even ceased doing business. Despite recent legislative changes, it may be a substantial amount of time before a correction will occur. We understand that clients value insurance options now more than ever.

The Roe Agency’s new company lineup provides our licensed agents the ability to secure you quality insurance coverage at reasonable and affordable rates. We continue to focus on personalized local service while expanding in new ways to efficiently service our clients.

Call (239)355-5773 or visit to get started with a complimentary insurance proposal from The Roe Agency.