8:30am - 5:30pm


8:30am - 5:30pm


8:30am - 5:30pm


8:30am - 5:30pm


8:30am - 5:30pm


9:00am - 5:00pm



Hours in PST

Insurance Broker vs. Direct Writer: What’s The Difference?

Insurance Broker vs. Direct Writer: What's The Difference? The Home Insurance People

Whether you’re shopping for a home, condo, or tenant insurance, ensuring you have the best possible coverage for the best price is always of top concern. That’s where the difference between working with an insurance broker vs. a direct insurance writer comes in. There are some critical differences between the two that could affect your finances.

In this post, we will discuss the difference between insurance brokers and direct writers, and we will also list some benefits of working with an insurance broker.

RELATED: Is There a Difference Between an Insurance Broker and an Agency?

Insurance Brokers

When you work with an insurance broker, the broker will work with several insurance companies on your behalf. You’ll have access to several possible quotes to compare- while dealing only with your own personal broker.

Typically, you will be able to meet with the same broker each year for your renewals and may be able to meet with them face-to-face.

Direct Writers

If you must contact your insurance provider directly, you are dealing with a direct insurance writer. Since they represent their own company, direct insurance writers will only provide you with quotes for their products. If you want to compare quotes, you will have to do further research on your own.

With a direct writer, you may often deal with a call center and a different representative every time.

Insurance Agents The Home Insurance People

Benefits of Working with Insurance Brokers

When it comes to insurance, working with brokers has many benefits.

#1: Access to Different Companies and Quotes

One of the main benefits of working with an insurance broker is that they can access many insurance companies to get quotes for you. This will allow you more options, and you can shop for the best insurance coverage that fits your needs. This is much quicker and easier than contacting several insurance companies directly.

#2: Working For You, Not The Insurance Company

Because insurance brokers are not biased towards any specific insurance company, they mainly aim to lay out different quotes and options for you to consider. Brokers work for you, not any particular insurance company.

Insurance Representatives Harbord The Home Insurance People

#3: Conversations Are Confidential

Insurance brokers can offer less biased advice when submitting a claim. If something happens, you can provide your insurance broker with all the info without worrying about a claim being automatically submitted or required. You may not want to start a claim in specific situations, and a broker can offer advice while keeping your information private and away from the insurance company.

#4: More Personal, Deal With The Same Person

Another benefit of working with insurance brokers is that you usually deal with the same representative whenever you have questions or need help. This allows you to build a better relationship with your insurance representative. You may even be able to meet your insurance broker face-to-face, further enabling you to create a personal connection.

#5: There is No Rush

Do you ever feel rushed when you contact your insurance company directly? You will never feel that way when dealing with insurance brokers because insurance brokers are not “on a timer” as opposed to many direct writers.

Get Free Quotes Now!

Are you interested in quickly comparing insurance quotes from various companies with a personal insurance broker? Contact the Harbord team today! Our insurance brokers are happy to help answer any questions you may have, and we can provide you with some free & quick Contact our team at 1.844.544.4663 and see what makes us Harbord – The Home Insurance People™!

UP NEXT: Replacing My Home’s Old Oil Tank – An Introduction

More Home Insurance News


Explore our Ads

We have lots of fun creating promotions, and just want to share the joy! Click on any of the icons below to peruse our collection of ongoing advertising campaigns.

Please Note

We are currently experiencing problems with our telephone system. Please try calling us again later or sending an email to [email protected]. We apologize for the inconvenience and we appreciate your patience!