Why Work With an Independent Agent?
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As an independent agency, we compare the options available to us across the carriers we represent — and recommend the one that fits.
If you've been with the same carrier for ten years, it is worth having someone re-check the market — Florida rates and carrier appetites have moved sharply since 2023. Carriers have left, others have entered, and rate maps look nothing like they did before then.
A captive agent represents a single insurance company and can only offer that company's policies. An independent agency represents several carriers, so we can compare what each of them will offer for your risk.
We're independent. We work with 20+ carriers. Every renewal, we re-shop your policies. When a carrier offers comparable coverage at a lower premium, we tell you. Sometimes the best option costs more than what you have — because it covers more. We show you both and let you choose.
Capital Partners is an independent agency and can only offer coverage from carriers with which we hold an appointment. We do not represent every insurer in Florida, and other carriers may offer different rates or terms.
