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Personal Insurance
General Information We represent you first. Brown & Brown is one of the largest brokers in the world, yet one of the very few that specializes in Personal Lines Insurance. We represent individual insurance buyers in the insurance selection process and serve as their advocate during and after the sale. Most people purchase insurance for their home or automobile from “direct writers”, insurance companies that sell directly to the public. These “direct writers” and their agents have a vested interest in this process… their own. Direct writers sell only their company's policies and therefore, are primarily concerned with their ability to profit from the insurance they sell you. This means that covering fewer claims and limiting the amount they pay when they do pay a claim is their primary goal. While their policies may sometimes appear inexpensive, how do you know you if the coverage they offer is best for you or them? Who takes your side when claim problems or disputes arise? The problem with buying insurance from direct writers is that you have no advocate representing your interests in the transaction. You may think that the term “independent agent” means just that. Many people often refer to an independent agent as “their agent”. In actuality, an independent agent is, by legal contract, an agent of the insurance company (or companies) they represent and not the insurance buyer. Typically, most so called “independent” agents represent just a few insurance companies and their income is critically dependent upon their continued positive relationship with those companies. Whose interests are more likely to be served, yours or the insurance company's? Why choose Brown & Brown? Because of our size and scale we have access to virtually every insurance company doing business in North America. Since Brown & Brown's clients pay these insurance companies more than 7 billion dollars in premiums each year, we have the clout to negotiate the most competitive coverage and demand the most responsive service for our clients. While most direct writers or independent agents will offer you just one quote (or at best just a few choices), we help you see all your options. Only then can we help you understand and select those choices that are the most competitive and best for you. At Brown & Brown, our mascot is the cheetah. The cheetah is the fastest and most adaptive land animal on earth. It knows it must compete to win and succeed at the hunt if it wants to eat. In everything we do, we strive to be like the cheetah; agile and quick at adapting to meet our customer's needs. Let us do the insurance hunting for you. Coverage We Offer:
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