HMS Insurance Associates, Inc.

This is one of the few "old line" full service independent insurance brokers i know of. As someone who must buy all kinds of insurance, and who has developed a sense of how much insurance should cost, I can vouch that HMS is a great resource to have when you want to go down every avenue possible to get the best deal. Moreover, insurance is tricky. You don't necessarily want to save 15% right away by choosing the lizard. You want the underwriter to have a customer-friendly process and not find out you aren't covered when you really need the protection of what the coverage was for in the first place. I buy all sorts of insurance, a lot of it business related, home related, and workman's comp related. I use HMS for all of it because they are honest, do a great job, and are responsive with great customer service. Sometimes they can't get you precisely what you need (but 99% of those reading this won't experience that). Just this last month, due to having teenage children which have had a fender bender but no big deal, my auto insurance premium quote shot up to over $10,000. HMS had to work on this for several weeks, and really put in a lot of effort for what is minor compared to a lot of business or large homeowner policies. I thought I was sunk, but eventually they uncovered a way for me to reduce my premium by 50%. Hallelujah! I am very glad I had HMS working this problem on my behalf.

In todays world, you can buy insurance through various sources and there are agents willing to sell you different products but HMS Insurance has the expertise and knowledge to tailor your coverage to your specific needs, maximize protection ad minimize cost. HMS Insurance is responsive to the needs of their clients and stays abreast of changes in the industry, including trends with insurance prices. HMS Insurance has far exceeded my expectations!

We have worked with HMS for over 20 years. They have always been conscientious in responding to us if we have an issue. They periodically our policies to ensure that we are affiliated with the right carrier and that our coverage is appropriate and cost effective.

i have literally never had a bad experience with anyone at HMS. We have used them over many years and no matter who the representative has been they are professional, polite and most of all very knowledgeable. I have the utmost confidence in this company.

We have had the best experience with HMS. Our rep, Karen Medairy goes above and beyond - answering any questions, keeping us in the loop when policies are coming up for renewal, making sure we are covered on all aspects, and always pointing us in the correct direction even if it is something that doesn't fall under the scope of personal insurance. We would highly recommend HMS!