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Insurance brokers claim to have complete independence from any insurance company and more flexibility than the common agencies. In comparison with agencies in general, brokers from the larger companies are more knowledgeable about and flexible in the types of coverage and policies they offer, and they specialize in certain areas. Also, a broker should have no vested interest in placing insurance with any particular company and will therefore attempt to get you the best price and the best coverage to meet your needs. You should make specific inquiries to satisfy yourself.

As in all matters of obtaining professional advice or assistance, you should have a minimum of three competitive quotes and an opportunity to evaluate the relative strengths and weaknesses of each. If the brokers are using the same insurance base for the best coverage and premiums, then all three brokers should recommend to you, in theory, the same insurance companies for the different forms of coverage you are requesting.