The role of an insurance agency is not merely to sell policies, but to provide insurance services. Insurance companies create the products and handle underwriting, claims, and pricing. Carriers also manage overall guidance and are regulated by the government. Comparable examples of carriers are Wal-Mart and Apple. For example, Apple manufactures...

Homeowners insurance is an excellent way to protect your biggest investment while still remaining within your budget. You may be able to reduce your coverage costs by installing smoke and fire alarms. Some policies also cover replacement cost and liability. You may also add pet medical insurance to your policy. In addition to repairing or replacing...

When choosing an insurance agency, make sure to look for a wide variety of policies and coverage levels. Some insurance agencies specialize in a specific type of coverage, such as life or auto insurance. Another option is an independent agency that works with a variety of insurance carriers. These agents are more likely to be able to offer...