​If you rent your home out only once a year for a local event, can you rely on your standard homeowners insurance and umbrella policies to cover any possible incidents that require filing a claim? Or do you need to add a different policy for that one-time rental?

An independent insurance agent is not tied to any specific insurance company.  They represent multiple insurance companies and can provide a variety of options to their clients.

This is compared to a captive agent who works for only one insurance company and can only offer you the products that company offers.
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Advantages of using an independent insurance agent include having:

At a minimum, evaluate your policies once a year to ensure they still meet your current needs and to take advantage of any potential cost savings.  Plus, certain life events or changes in circumstances may require an immediate review of your policies.

Examples of situations that may require a review of your insurance policies include: