About Insurance Maximum

What “independent” actually means

A captive agent represents one insurance company and can only sell you that company’s products. If their product is wrong for your situation, the honest answer costs them the sale, so it rarely gets said.

An independent agency places business with multiple carriers. When one of them is a poor fit for you, saying so costs us nothing. That is the entire structural difference, and it is the reason the advice you get here can be straight.

How we actually work

We start from what you own and what you could not afford to lose, not from a product list. Then we go through the coverage that applies, what it excludes, and where the real gaps are. Most households have two or three specific exposures nobody has ever mentioned to them: a liability limit set at the default, no water backup coverage, jewellery sitting above a policy sub-limit.

We would rather tell you that a policy you already have is fine than replace it for the sake of a sale. A policy someone was talked into lapses; a policy someone understood gets renewed.

What we will not do

We will not quote a number before we have asked the questions that determine it. A quote built on assumptions changes at binding, and a price that moves after you have made a decision is worse than a higher price quoted honestly the first time.

We will not tell you that the cheapest option is the best one, and we will not tell you that the most expensive one is either. What we will do is name the trade-off in each direction so the choice is actually yours.