Insurance Questions, Answered

A captive agent represents one insurance company and can only offer that company’s products. An independent broker like Samantha Lewis Agency is appointed with multiple carriers, so we compare policies from 15+ companies side by side and recommend the one that fits. If your needs or prices change later, we can re-shop your coverage without you starting over.

No. The premium is the same whether you buy through us or directly from the carrier, and we don’t add a fee on top. Carriers pay us a commission when you place a policy, which is why consultations, quotes and policy reviews are free.

Yes. When you call (734) 525-9450 you reach our local team in Livonia, not a call center or a chatbot. The same people who set up your policy help you with changes, renewals and claims.

At least once a year, and any time your life changes: getting married, having a baby, buying a home or car, starting a business, retiring or turning 65. An annual review catches coverage gaps and missed discounts before they cost you.

Often, yes. Merging households is a good time to review both partners’ auto, renters or home, and life insurance. Combining policies with one carrier can unlock multi-policy and multi-car discounts, and it’s the right moment to update beneficiaries.

Start by comparing the cost of the damage with your deductible. If the loss is only slightly above your deductible, a claim may not be worth it, because claims can affect future premiums. For larger losses, any injury, or anything involving another person, report it. Call us first and we’ll help you decide.

A denial isn’t necessarily the end. Ask the carrier for the decision in writing along with the policy language it relies on, gather your documentation (photos, estimates, receipts), and request a reconsideration or appeal before the deadline. Michigan residents can also contact the Department of Insurance and Financial Services (DIFS). We help our clients through this process.