Q. I have mostly made up my mind to buy from a particular carrier. I had some conversation with the carrier and they turned me over to an in-house agent. He gave me a quote and sent me a link to complete an application. Should I go forward or deal with someone local?

A. Good question.

The in-house agent may have your best interest at heart or he may just be toting the company line. For sure, all he has to offer is that company’s product line. The company you mention does have some good products, and the one he recommended is probably the same one I would suggest.

As long as he stays with the company, and you are happy with your plan, there is nothing wrong with dealing with an in-house agent.

But how impartial will he be when it comes to disputing a claim? Will he be interested in fighting for your best interests or more conscious about preserving his job?

And how about renewals? Will he show you other options or only what that carrier has to offer? Will they be just as competitive next year relative to other carriers as they are this year?