Insurance agents and insurance brokers can both help you buy an insurance policy. But insurance agents represent the insurance provider that employs them and help sell policies from that single provider. Insurance brokers represent the consumers who use them and can help them shop for policies from multiple providers.

Agents assess your individual circumstances, financial situation, and risk tolerance to recommend policies that suit you best. This personalized approach ensures that you are not over-insured (paying for coverage you don't need) or under-insured (leaving you vulnerable).