Hometown Community Insurance Agency

What Hometown Community Insurance Agency does

Hometown Community Insurance Agency is a privately held, independent insurance agency founded in 2007 by Michael and Elaine Berry in Adams, Wisconsin, and acquired by current owner Jesse Schable in 2016. The firm operates two physical offices (Adams and Wisconsin Dells) and serves individual consumers, small-to-medium businesses, and seniors in Central Wisconsin. It is a full-service agency writing all major lines of insurance — home, renters, auto, umbrella, recreational vehicles, boat, motorcycle, business (property, liability, workers comp, crime, cyber), health (including Medicare Supplement and short-term), life (term, whole, universal, disability), annuities, bonds, and long-term care.

The agency places business with 15+ insurance carriers (including Auto-Owners, Progressive, Foremost, Integrity, Security Health, Partners Mutual, and others) and earns transaction-based commissions on policies sold. Pricing is quote-based, driven by coverage type, limits, deductibles, and individual risk factors, with monthly billing. The technology stack is conventional for a small brokerage — a Weebly-hosted informational website, phone and email channels, and in-person consultations at the two offices; there is no proprietary platform, mobile app, or AI/ML capability.

The go-to-market is sales-led and relationship-driven: licensed agents (Property & Casualty and Life & Health) consult with clients in-person, by phone, or by email, supported by community involvement (Rotary, Lions Club, church leadership, hospital foundation board) and word-of-mouth referrals. The firm has expanded only once via M&A — the January 2017 acquisition of Tri-City Insurance — and recent hires (2023, 2024) reflect modest organic capacity additions rather than new market entry.

Name

Hometown Community Insurance Agency

Legal name

Hometown Community Insurance Agency

Website

https://hometowncommunityins.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Hometown Community Insurance Agency is a privately held independent insurance brokerage founded in 2007 in Adams, Wisconsin. It serves individuals, small businesses, and seniors in Central Wisconsin from two offices, placing business with 15+ carriers across personal, commercial, and senior-product lines on a commission basis.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH), Personal Auto Insurance (FSAJAMAA), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance services
• Multi-carrier brokerage
• Senior insurance products

Headquarters

HQ city

Adams

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commissions: As an independent insurance agency, the company earns commissions from insurance carriers for policies placed. Works with multiple insurance companies to offer diverse coverage options.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Independent insurance agency that brokers personal and commercial insurance policies through multiple carriers for individuals, families, and small businesses in Adams, WI. Offers coverage across homeowners, auto, life, business, and senior insurance product lines and supports customers through in-person, phone, and online channels.

Product overview

Hometown Community Insurance Agency is an independent insurance agency established in 2007, offering a comprehensive portfolio of insurance products across personal and commercial lines. The agency operates as a full-service insurance provider offering Home Insurance (primary, secondary, seasonal, vacant, rental, and mobile), Renters Insurance, Auto/Car Insurance (personal, commercial, SR22s, non-owner), Umbrella Insurance, Recreational Vehicles Insurance (ATV, snowmobile, UTV), Boat Insurance, Motorcycle/Moped/Scooter Insurance, Business Insurance (property, liability, workers comp, crime, cyber), Health Insurance (group, Medicare supplement, major medical, short term), Life Insurance (term, whole life, universal life, disability), Annuities & Bonds, and Long Term Care Insurance. The agency works with multiple insurance carriers to find policies fitting clients' needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Homeowners insurance coverage for owner-occupied and residential properties, sourced from multiple carriers and tailored to homeowner needs in the Adams, WI area.
• Auto Insurance Personal auto insurance coverage for individuals and families, sourced from multiple carriers to enable side-by-side comparison.
• Life Insurance Life insurance products for individuals and families, including coverage options sourced from multiple carriers.
• Business Insurance Commercial insurance coverage for small businesses, including property, liability, and related commercial lines, sourced from multiple carriers.
• Senior Insurance Products Insurance products tailored to seniors and retirees, addressing life-stage coverage needs such as life and other age-appropriate products available through the agency's carrier partners.

Quantifiable outcome

• $1,000,000 umbrella policies typically cost only a few hundred dollars per year - inexpensive way to protect financial future

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal and commercial insurance products through the agency.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing auto and other personal lines coverage.
• Hagerty InsuranceminorChannel Partner/ Reseller/ DistributorClassic car insurance specialist partner for collector vehicle coverage.
• Security HealthcoreChannel Partner/ Reseller/ DistributorHealth insurance carrier partner offering health coverage options including Medicare Supplement.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier partner for various coverage lines.
• Dairyland InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering motorcycle and other specialty coverage.
• Partners Mutual InsurancecoreChannel Partner/ Reseller/ DistributorRegional mutual insurance carrier partner.
• Hastings InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner.
• Pekin InsuranceminorChannel Partner/ Reseller/ DistributorRegional insurance carrier partner.
• Integrity InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal and commercial lines.
• GMICminorChannel Partner/ Reseller/ DistributorInsurance carrier partner.
• WPSICminorChannel Partner/ Reseller/ DistributorInsurance carrier partner.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Auto-Owners Insurance: Carriers agency direct appointments through — listed as a core Hometown Community carrier partner. Multi-line independent-agent carrier serving small/mid-market P&C customers across the Midwest.
• Progressive Insurance: Major direct-to-consumer P&C carrier that also appoints independent agents. Listed as core Hometown Community carrier partner; benchmark for the auto-line commission channel dynamics.
• Erie Insurance: Multi-line regional P&C carrier built entirely on the independent agent distribution model. Closest 'carrier-side' analog of independent-agency economics and provides benchmark commission structures.
• State Farm: Largest U.S. personal lines carrier using captive agents. Competes for the same household insurance budget in central Wisconsin — represents the dominant alternative distribution model to independent agencies.

Direct peers

• Brightway Insurance: Franchise model independent insurance agency offering home, auto, life and business coverage across multiple states through carrier appointments. Same multi-line independent brokerage model as Hometown Community.
• Goosehead Insurance: Independent insurance agency that distributes through a franchise/national agent network across multiple carrier appointments. Comparable model of multi-carrier retail brokerage, though operates at much larger scale.
• Higginbotham: Independent insurance agency offering commercial and personal lines through multiple carrier relationships. Comparable multi-line retail brokerage operating model with similar commission economics.

Regional players

• West Bend Mutual Insurance: Wisconsin-based regional mutual carrier distributing through independent agents. Comparable Wisconsin-market independent agency distribution channel and regional brand presence.
• Acuity Insurance: Wisconsin-headquartered regional mutual P&C carrier that appoints independent agents throughout the Midwest. Direct geographic and channel overlap; a potential carrier partner competitor in the same territory.
• Frankenmuth Insurance: Michigan-based regional mutual carrier distributing via independent agents across the Midwest. Comparable independent agency channel and product line focus in personal and small commercial P&C.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/hometown-community-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hometown Community Insurance Agency