Home insurance agents exist to simplify the process of finding a policy that meets your needs. While you can do all the work yourself, sometimes it can be a more troublesome process than it’s worth. When shopping for a homeowners insurance policy, you should use all avenues available to you to make an informed decision. This may mean working with an agent and doing your research. Every insurance company uses a different formula to price their home insurance policies. They should have some insight into this process and can steer you away from companies with factors that are unfavorable to you. They have first-hand knowledge about how easy (or not) it is to file a claim with a company. They may partially base their recommendations to you on this experience. The growth or decline of the number of home insurers available in your area can signify how much a policy may cost. An independent agent may be willing to provide you with this information. You can buy homeowners insurance without an agent, but they can be helpful, especially when you’ve done your research. Agents have access to multiple carriers and products, which may give you more options than if you were to try and purchase a policy on your own. They also act as a sounding board, providing advice and support through the claims process. If you’re comfortable doing your research and want to save money on premiums, buying online is certainly an option. However, if you’re not sure where to start or would like some guidance along the way, working with an agent could be the right choice for you.