The most important "extra" is being an independent agent. With the insurance industry changing daily, I have multiple options for my clients. I have markets for those looking for a preferred carrier and markets for those with a challenging claim history. The biggest benefit is when the renewal term is approaching we have a system that makes it easy to compare with the carriers. We can shop the rates to see if the current carrier is the best fit based on price and coverage. I work for the client not the insurance carrier.