Why an Independent Insurance Agency is Better Than a Captive Agent

When it comes to protecting your home, car, or business, choosing the right insurance agent is just as important as choosing the right coverage. In Georgia—whether you’re in Kennesaw, Marietta, or Douglasville—you’ll often face two options: working with a captive agent or working with an independent insurance agency like Hembree Insurance Agency.

Here’s why going independent almost always puts you in a stronger position.

What’s the Difference Between Captive and Independent Agents?

• Captive agents: Work for one insurance company (like State Farm, Allstate, or Farmers). They can only sell policies from that carrier.

• Independent agents: Represent multiple insurance companies. They shop and compare rates and coverage across carriers to find the best fit for you.

1. More Carriers = More Choices

One of the biggest advantages of an independent agency is access to multiple carriers. Instead of being stuck with the products and pricing of a single company, independent agents can quote across a wide range of trusted national and regional insurers.

This means you’re more likely to find:

• Better rates

• Coverage that actually fits your needs

• Discounts you might not get with a captive agent

2. A Local Advisor Who Works for You

Captive agents ultimately answer to the insurance company they represent. Independent agents work for you. If you have a claim, billing issue, or policy change, your independent agent is on your side—advocating for your best interests, not the company’s bottom line.

At Hembree Insurance Agency, we’re based right here in Kennesaw and proudly serve families and businesses throughout Cobb, Paulding, and Douglas counties. We know the risks unique to Georgia, from storm damage to local liability laws, and we tailor policies accordingly.

3. Customized Coverage, Not One-Size-Fits-All

No two households or businesses are the same. Independent agents have the flexibility to piece together coverage across carriers so you’re not left with gaps or paying for coverage you don’t need.

Captive agents are limited to their company’s policy options—even if those options aren’t a perfect fit.

4. Long-Term Relationships Without the Hassle

Life changes:

• Buying a new home

• Adding a teenage driver

• Opening a business

With a captive agent, if your insurance company no longer fits, you have to start over with a brand-new agent. With an independent agency, your relationship stays the same. We can move your coverage to another carrier we represent while keeping the same trusted advisor in your corner.

5. Stronger Local Roots

Independent agencies are often family-owned and community-based. At Hembree Insurance Agency, we’re not a call center—you’ll get a real person who understands Georgia living. We sponsor local events, work with local businesses, and build long-term trust with our neighbors.

The Bottom Line

When you choose an independent insurance agency, you’re choosing:

• More options

• Better pricing

• Local expertise

• A true advocate

Captive agents are limited in what they can provide. Independent agencies like Hembree Insurance Agency put the power back in your hands by giving you choices.

If you live in Kennesaw, Marietta, Douglasville, or anywhere in Georgia, let us shop for you. Contact us today for a free quote and see why independence matters.