Write personal lines insurance with top carriers.

Personal Lines business is the heart of our original Smart Choice® Agents Program and an integral piece of the Smart Start program.

Our programs assist agencies in getting appointed with the carriers they want to represent by managing the relationship with the carrier on your behalf. Find out what 8,700 other independent agents already know, and why we're the fastest-growing network of our kind!

What are the biggest challenges facing independent insurance agents?

Become an agency partner

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Competitive commissions

We negotiate higher than average commissions, and lower premium volume requirements for agency partners in many cases.

Book ownership

Your customers are yours, and you'll always have 100% control of your book of business .

No fees

We're the only no fee program of our kind - no start-up and no monthly fees. Ever.

Access top-rated personal lines carriers

Find Carriers in Your State

Writing personal lines business with Smart Choice

Get sub-appointments with personal and commercial lines carriers.

No fees
Ability to earn 100% commissions
Low volume commitments

Explore the Agents Program

Use Smart Choice’s in-house underwriting assistance to write business without appointments.

No fees
Write business immediately
Dedicated underwriter to assist and bind coverage

Explore the Smart Start Program

Smart Choice Gives You the Freedom to Succeed.

Get Started

Insurance agency access to personal markets