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Use an independent insurance agent to get an insurance rate comparison and save time, money, and stress.

5 Reasons to Use an Independent Insurance Agent

Put down the phone! You can save hours, stress, and money by getting an insurance rate comparison from an independent insurance agent.

Maybe you’re starting a new business. Or perhaps you’re just curious about whether you’re overspending on your premiums. Getting an insurance rate comparison is a great way to research your options and get a policy that’s right for you.

But you have a choice: use up next week’s lunch breaks calling every insurance company you can or getting an insurance rate comparison from an independent insurance agent.

Aside from the fact that they’re completely free (yep!), here are five reasons why you should work with an independent insurance agent rather than buying your policies directly from the corporate office.


1. They’re Locally Focused

independent insurance agents focus on you and your community

National insurance companies provide excellent coverage, but it’s hard for their call center agents to focus on your local area when they have about a million other ones to look out for.

When you buy insurance through an independent insurance agent, you’re buying from someone with knowledge of the local area. They know that your beach storefront needs higher flood coverage or that your dental office needs a certain level of Malpractice Insurance.

Your local independent insurance agent is also able to be more involved in your community. (Our agency participates in the Walk for Wishes each year and uses our referral program to benefit local charities.) Who says you can’t manage risk while giving back?


2. They Can Compare Rates For You

independent insurance agents can do an insurance rate comparison for you

This might be news to you, but no single insurance company can lay claim to being “the cheapest.” Why? Because your life, car, home, or business insurance premium is based on a number of different factors—your age, marital status, address, business type, and many others.

So how do you know which insurance company will give you the best rates? There’s a simple (but not an “easy”) fix: you get an insurance rate comparison from several different companies. But who has that kind of time?

Your independent insurance agent does! You can turn dozens of calls into just one by giving your info and coverage needs to your agent. They’ll do the work for you and come back with the best quotes for you to choose from.

You’ll be getting the exact coverage you need at the most competitive price.


3. They’re Your Advocate

independent insurance agents don't work for the insurance company; they work for you

Your independent insurance agent is called “independent” because s/he doesn’t work for an insurance company. They work with many different insurance companies, but they work for you!

This means that they aren’t limited to only plans and policies by one company. If your lifestyle and insurance needs mean that State Farm or Nationwide is not the best option for you, they’ll recommend another company. If your insurance company drops you because your roof is too old, they can find a different company before you’re even aware that there’s a problem.

Basically, independent insurance agents like us aren’t looking out for the insurance company’s bottom line; we’re looking out for your interests.


4. They Give Expert Advice

independent insurance agents can provide you with expert advice

Unbiased advice is great, but you also want that advice to be, well, accurate.

Independent insurance agents live, think, and breathe insurance; it’s their business, so they’re able to explain any complicated policies or rate changes in a way you can trust and understand. They have experience dealing with many different insurance companies over many years, so they are used to how each one works.

If you’re having issues contacting the insurance company to make a claim, you can speak to your independent insurance agent for advice.

And you won’t have to sit on hold for 45 minutes, either.


5. They Know You

independent insurance agents customize their advice for you

Because they work directly with you and with the insurance companies, independent insurance agents are able to custom-fit your insurance coverage to your unique needs.

They know your kids’ names, what featured on your restaurant’s menu, why you want worker’s comp insurance even if you don’t have any employees. As your business or family’s needs change, they’re able to stay one step ahead and make suggestions that will benefit you.

Being able to whittle down your insurance needs to hit that perfect balance of “not too much, not too little,” means you’ll only be paying for the coverage you need.

Having an insurance agent that knows you also means getting answers to basic questions easier. Drop in, call, or shoot us an email. (Try that with the corporate office and see how far you get.)



Rather than calling around for hours to get your insurance rate comparison—or, worse yet, not comparing insurance quotes at all—call an independent insurance agent. You’ll get expert, unbiased advice from someone who knows you and wants to see you and your business succeed.

At Harry Levine Insurance, we always keep our customers first and foremost. It’s how we’ve always done business. We keep ourselves up-to-date with everything insurance related (seriously, you should see how often we travel for work!) and I’m on the Board of Directors with the Florida Association of Insurance Agents.

If you’re looking for an insurance rate comparison for your personal or business needs, we’d love to help out.



medical payments in auto insurance

What Are Medical Payments and Why Are They On My Auto Insurance Coverage?

Sifting through all of the different coverages that are part of insurance policy can be a very confusing task. There are things that pay for injuries to you. There are parts that pay for injuries to others. There are coverages that pay for damage to your belongings. There are elements that pay for damage to other peoples’ things. The list goes on and on. Today we’re going to look at Medical Payments and how they can help you avoid costly fees after an accident.
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What is Water Back-Up and Sump Overflow coverage?

Water Back-Up and Sump Overflow coverage





Q.  What is water back-up coverage?

A.  Water Back-Up and Sump Overflow coverage protects against water intrusion in the event that public utilities and/or septic systems become inundated and reverse course.  This type of coverage became very common after the 2004 hurricane season during which storm drains could not handle the amount of rain water inundating them.  This coverage is separate from flood insurance and most homeowner insurance already covers water damage from roof leaks/burst pipes/certain other causes.  Simply put, if your toilets and/or sinks began overflowing into your home due to reasons outside of the home (not a hairball in the P-Trap or tree roots in the main drain) this coverage may apply. If you are not sure if your policy has Water Back-Up and Sump Overflow coverage call your agent.

What is Employment Practices Liability Insurance?

Employment Practices Insurance EPLI




Q.  What is Employment Practices Liability Insurance?

A.  Employment Practices Liability Insurance (EPLI) is a critical form of protection that all businesses need to have.  Like Worker’s Compensation it does not matter if a company has 1 part-time employee or 1,000 full-time employees; this coverage is paramount.  EPLI primarily provides legal defense against claims of improper employer behavior (hiring/firing practices, discipline, harassment in the workplace) and it can sometimes provide coverage for accusations of improper tabulation of hours and payment of wages, as well as third-party (i.e. customer) harassment claims.  While illegal and intentional acts are never insurable, the cost of defending such claims can be into the hundreds of thousands of dollars.  Employment Practices Liability Insurance policy premiums are incredibly small compared to the potential legal fees that an honest employer may have to pay to defend accusations (whether true or not) made by a disgruntled employee.
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What is Worker’s Compensation Insurance?

I don't safety standards allow this anymore!

I don’t safety standards allow this anymore!




Here is a brief introduction into Worker’s Compensation Insurance

Q.  What is Worker’s Compensation Insurance?

A.  Everyone who owns a business with even a single part-time employee needs Worker’s Comp!  Worker’s Comp is an amazing product that essentially voids an employee’s ability to sue an employer for negligence/liability in the event of a workplace injury.  It provides a stated limit of liability for employer negligence and unlimited coverage for covered workplace injury treatment.  If an employer doesn’t have Worker’s Comp they are risking their business.  Absent coverage employees may directly sue their employer.  Everything from keyboard induced Carpel Tunnel Syndrome to catastrophic accidents are covered.
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What is Cyber Liability Insurance and Do I Need it?

Cyber Liability Insurance







Q.  What is Cyber Liability Insurance and do I need it?

A.  People have heard of the Target Hack. You may be thinking, well my business isn’t that big or my credit card vendor will cover such a breach. You are wrong. Cyber Liability a category of insurance protection that is needed by every business that uses any sort of electronic database system, takes credit cards, or facilitates any type of electronic transaction using customer information.  People often believe that their credit card processing vendor offers them protection, and in some cases they may offer some small form of coverage.  
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What is Umbrella Insurance and Do I Need it?

Julie and Jason have an umbrella!

Julie and Jason have an umbrella!

Q.  What is Umbrella Insurance and do I need it?

A.  Liability Umbrella policies are incredibly valuable and affordable protection needed by individuals and business, alike.  Your primary policies – home/car/boat/business owner’s/worker’s compensation/commercial automobile/etc. – provide an initial layer of liability protection.  This primary coverage is often maxed out at $300,000 – $500,000 for individuals and $1,000,000 for businesses.  Umbrellas can come with many different coverage limits, but the most common limits are $1 million, $2 million and $5 million.  Insurance is designed not only protect your current assets, but it also aims to protect your future earning potential against wage garnishments and judgments that a major claim may give rise to.  Umbrellas extend your liability protection beyond your primary coverage.  Simply put, someone with $500,000 primary liability and a $1 million umbrella effectively has $1.5 million in protection (within the bounds the policies involved).  Umbrellas can sometimes even provide additional coverage that your primary insurance does not.

Whether or not you buy an umbrella policy is up to you, but for guidance call your agent!


If My Power Goes Out Is My Food Covered?

is spoilage covered by insuranceI would like to thank one of our agents, Kathy Barton, with suggesting this question for our blog. This is a very specific question and if you have any questions on what exactly your policy covers make sure to call your agent.

Q.  I just went grocery shopping and filled my deep freezer and refrigerator right before the big storm hit. My power has been out for 2 days and all the food has spoiled. Will my homeowner’s insurance cover this?

A.  Your homeowner insurance may very well cover for spoilage of refrigerated property due to off premises power failure.  However, this is usually only by a special add-on that incurs an additional premium.  That means that you must request and pay for this specific coverage.  It is not part of most standard homeowner policies.  When reviewing your policy you should ask your agent what upgrades or optional endorsements, like spoilage coverage, are available through your homeowner insurance company.


Does my auto insurance cover my rental car?

Rental Car InformationQ.  Does my auto insurance cover my rental car?

A.  There is a strong chance that it does.  Most standard and preferred automobile insurance carriers extend coverage to private passenger vehicles that you rent such as while on vacation.  You must check with your specific carrier though, as many non-standard carriers and certain standard/preferred carriers do not extend such coverage.  Also, remember that most auto carriers do not extend coverage to non-private passenger vehicles such as do it yourself moving trucks. As always if you have specific questions as to your coverage and policy make sure to contact your agent.