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Why An Independent Insurance Agent


Some people think it doesn't really matter where they buy their insurance. But this misconception could be costing them money, service, and protection. Buying insurance isn't like buying milk and bread. Insurance is an important safety net for your family, your home, your car, or your business.

"We not only "listen" to our clients, we "hear" them. At Kalmbaugh Insurance, every person matters, every policy matters...everyday. Our goal is to make sure - absolutely sure - that what you pay for is what you dare not live without. We have been, are, and will continue to be advocates for our insured to navigate through their insurance choices." - John C. Kalmbaugh, CIC

Getting insurance from an independent agent over a company makes better sense because...

Competitive Rates:

X - Captive Agents can sell you the insurance of only one company.

- Your Independent Agent gives you excellent service and competitive prices because they can access coverage from more than one company.


X - If you are lucky enough to talk to a live person, they can only offer you the insurance of only one company, and only over the phone.

 - At Kalmbaugh Insurance, we answer the phone! We can offer coverage from multiple carriers, and we are here for you either on the phone or in person at our office. We are here for you.

Insurance Company Representation:

X - Captive Agents can only sell coverage for one insurance company like Geico, Progressive, or State Farm. So they are limited in price and coverage to that one company.

 - Independent Insurance Agents, like Kalmbaugh Insurance, represent an average of eight different companies and we research those companies to find you the best combination of price, coverage, and service.


Your Independent Agent at Kalmbaugh Insurance...:

  • Is a licensed professional with strong customer and community ties.

  • Gives you excellent service and competitive prices, because we can access coverage from more than one company.

  • Will assist you when you have a claim.

  • Is your consultant and works with you to determine your needs.

  • Offers you a choice of insurance plans and programs.

  • Offers one-stop shopping for the full range of insurance from home, renters, auto, life, and business.

  • Treats you like a person, not just another number.


Customer satisfaction is the key to an independent agent's livelihood, so serving your needs is their most important concern. Our goal at Kalmbaugh Insurance is to give you service that exceeds your expectations.



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