How We Are Different
We're not like the big box insurance companies. Here's what makes Top Insurance the smarter choice.
Independent Brokerage
We are not tied to any single insurance company. As an independent brokerage, we work for you — comparing options from 20+ carriers to find the best fit.
Unbiased Advice
Because we represent multiple carriers, we give you honest recommendations based on your needs — not sales quotas. Our only goal is finding you the right coverage.
One-Stop Shopping
Auto, home, business, life, health, boat, motorcycle, RV — we handle it all. Bundle your policies for even greater savings and convenience.
Personal Service
You are not just a policy number. When you call us, you speak to a real person who knows your account and can help with claims, changes, or questions.
Claims Advocacy
When you need to file a claim, we go to bat for you. Our team works directly with the carrier to make sure your claim is handled quickly and fairly.
Competitive Pricing
We negotiate on your behalf and leverage our relationships with carriers to secure discounts and rates you cannot get on your own.
Top Insurance vs. Captive Agents
| Feature | Top Insurance | Captive Agent |
|---|---|---|
| Multiple carrier options | 20+ | 1 |
| Unbiased recommendations | Yes | No |
| Price comparison shopping | Yes | No |
| Claims advocacy | Yes | Limited |
| All insurance lines | Yes | Varies |
Ready to Experience the Difference?
Let us show you how an independent brokerage can save you money and give you better coverage.