Why Should You Work With An Independent Agent?

An independent agent doesn't work for an insurance company, we work for YOU! We represent a carefully selected group of financially sound, reputable companies, allowing us to provide you the BEST coverage at the most competitive price. It is our policy to follow through to make sure YOU are getting fair, prompt and courteous service.

Purchasing insurance is not the same as purchasing bread or milk. It’s one of your most important purchases as it protects you and your family from financial hardship. It’s a very important purchase and requires more than 15 minutes to do a thorough job. You should not treat the purchase lightly or allow anyone to do so.


There is a difference in where you buy your protection. Many people do not realize there are four sources for insurance:

Captive Agents - Sell consumers the insurance of only one company.

Telephone Representatives - Offer consumers the insurance of one company and only via the telephone.

Internet Sites - Consumers can fill out an application online and get an insurance quote without any help or direction from a qualified professional.

Independent Insurance Agents - Represent an average of eight insurance companies and research with these firms to find consumers the best combination of price, coverage and service.

Your Independent Insurance Agent, Robert E. Schaff Ltd.

•Has been in the business since 1900. 

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

 •Provides excellent service and competitive prices because he or she can access the insurance coverage from more than one company.

•Unlike other agents, is not beholden to any one company; thus, policyholders do not need to change agencies as your insurance and service needs change. 

•Assists policyholders when they have claims.

•Is a consumer’s consultant, working to determine the consumer’s needs. 

•Offers consumers a choice of insurance plans and programs.

•Is a value hunter who looks after the consumer’s pocketbook in finding the best combination of price, coverage and service.

•Offers one-stop shopping for a full range of products - home, renters, auto, business, life, etc.

•Can periodically review a policyholder’s coverage to keep up with changing insurance needs.

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