INDEPENDENT INSURANCE AGENCY
Insurance Doesn't Have to Be Confusing.
Whether you’re looking for Medicare, individual health insurance, home & auto, employee benefits, or dental coverage, our licensed advisors compare plans from multiple insurance carriers and help you choose the coverage that’s right for you.
Compare coverage from multiple insurance carriers with guidance from a licensed independent advisor.
- Independent agency representing multiple carriers
- Licensed local advisors who work for you
- Honest guidance with no pressure or obligation
Unlike a captive insurance agent who can only offer one company’s products, HBS compares options from multiple carriers so you can make the best decision for your needs.
Years of Experience
0
Clients guided
0
+
Carrier partners
0
+
- Takes About a Minute
Tell Us a Little About You
A licensed independent advisor will review your information, compare plans
from multiple insurance carriers, and help you choose the coverage that’s
right for you. No pressure. No obligation.
- No obligation
- Licensed advisors
- Multiple carrier options
- Licensed & Independent Agency
- 100+ Carrier Partners
- Local Team
What We Cover
How Can HBS Help You?
One agency, every policy that matters — matched to your life stage and budget.
Medicare
Prescription drugs, Medicare Advantage, and Medigap plans.
Individual Health
Affordable Care Act and
off-marketplace plans.
Home & Auto
Erie, Liberty Mutual, Progressive, and many more.
Group Products
Group rates for companies from 2–100 employees.
Life Insurance
Protect the people who matter most with life insurance.
Why Choose HBS
Independent means we work for you, not one insurer.
Unbiased comparisons
We shop 20+ carriers side by side so you see every option, not one company's pitch.
A dedicated local advisor
The same licensed agent stays with you from quote to claim, year after year.
No cost, ever
Our guidance is always free — carriers pay us, never you.
Support beyond enrollment
We handle claims questions, renewals, and life changes with you year- round.
The Process
How It Works
From first call to enrolled policy, here’s what to expect.
Tell us about you
Share your needs, budget, and
coverage goals in a short
conversation.
We compare carriers
Your advisor shops multiple carriers to find your best-fit plans
Review your options
Easy to understand plan analysis
Enroll with support
Your agent is here for you long after enrollment—providing ongoing support whenever you need it
Client Stories
Trusted by clients
“HBS found me a Medicare Advantage plan
that saved me over $200 a month. They
explained everything without the sales
pressure.”
Linda M.
Medicare client
“Switching our group health plan felt
overwhelming until HBS took over. They
handled every carrier conversation for us.”
David R.
Small business owner
“Bundled our home and auto in one call
and got better coverage for less. Wish we’d
called sooner.”
Sarah K.
Home & Auto client
Our Carrier Partners
We shop the market so you don't have to
Common Questions
Frequently Asked Questions
No. Our services are completely free to you — carriers compensate us directly, so your quote and ongoing support
cost nothing.
An independent agency offers impartial advice, more choice, and guidance focused on your specific needs.
We work with a wide range of trusted companies to provide tailored solutions and expert support.
We’ll get in touch as soon as possible, usually within one business day.
Yes. We’re here to support you with ongoing guidance and assistance even after you enroll.
Get Started
Get Insurance Quotes
Tell us a bit about what you need — a licensed advisor
will follow up with real options, not a form letter.
Speak directly with a licensed advisor—not a call center.
- No spam, no obligation
- Response within one business day
- Real licensed advisor, not a bot
Talk to a Human
Have a question? We're here to help.
Reach out directly — a licensed advisor answers, not a
call center.
