Why should I buy insurance from an agent rather than directly from the insurance company? 
If a particular product that you need is offered by both direct and agency channels , you certainly are free to choose . However , and of course I am a bit biased because I am a Lisenced Insurance Professional who has served his clients and community for 30 years , it is my opinion that taking advantage of the professional services , advice and counsel offered by a local agent adds value and better protects you and your famil from dangerous gaps in coverage . 