Homesale vs Captive Agencies

Homesale vs. Captive Agencies: Why Choice is Your Best Policy

1. The “Big Pond” Fallacy

Most people think a "big name" insurance company (State Farm, Allstate, Geico) means better protection. In reality, those agents are "captive"—they are employees of one brand.

Our Message: At Homesale, we aren’t a small fish in a big pond; we are the ones who own the pond. As an independent agency, we don't work for an insurance company—we work for you.

2. The Advisor vs. The Order-Taker

Feature	Captive Agents (The "Big Brands")	Homesale Insurance (Independent Advisors)
Who they work for	The Insurance Carrier	The Client (You)
Choice	One set of products/rates	20+ Top-Rated Carriers
Price vs. Value	Driven by company quotas	Personalized Risk Assessment
If rates go up...	You have to leave your agent	We shop the market for you
Philosophy	"Cheapest price wins"	"Best value for your legacy"

3. Our Tech Advantage: The "Smart Agency" Stack

Captive agents are often stuck using 15-year-old proprietary software. At Homesale we are utilizing technology and AI to better serve clients, educate clients, and go to market for our clients.

Canopy Connect: No more hunting for PDFs. Securely share your current policy info in 30 seconds so we can find the gaps your old agent missed.

EZLynx: Our comparative rating engine scans dozens of carriers simultaneously. We do the 'shopping around' so you don't have to.
Google AI Suite:"We leverage the latest AI to monitor rate trends and policy updates in real-time, ensuring our Maryland and PA clients are always ahead of the curve."

4. Local Advocacy

A captive agent in a call center doesn't know the specific flood risks in Westminster or the local repair costs in York. We understand the local market where you live. We are not a call center environment. We have insurance advisors in Hanover, PA and Reading, PA. We have insurance advisors located in Baltimore, MD as well. Understanding the local market will help make sure you are covered properly.