12timesbetterinsurance.com

What 12timesbetterinsurance.com does

12 Times Better Insurance Plus is a privately held, independent insurance agency headquartered in Auburn, Washington (3108 A Street SE Suite A), founded on April 12, 2020, by owner-agent Clint Boren, who has been active in insurance since 1995 (independent since 1997). The firm operates entirely virtually and serves individual consumers and small businesses across Washington State. Its product portfolio spans 25+ lines across personal insurance (auto, homeowners, renters, condo, landlord, manufactured home, motorcycle, RV, boat, pet, life, earthquake, flood) and commercial insurance (BOP, general liability, professional liability, workers' compensation, commercial auto, commercial property, commercial umbrella, contractors, builders risk, liquor liability, vacant dwelling). The agency holds appointments with 14+ carriers — including Allstate, Liberty Mutual, Progressive, Travelers, Bristol West, Dairyland, Foremost, Hagerty, The General, American Modern, Arrowhead, National General, and Stillwater — spanning both standard and non-standard markets.

Revenue is generated almost exclusively through carrier commissions as a percentage of premium written on placed policies; no subscription, fee-for-service, or premium-financing revenue is disclosed. The GTM motion is sales-led: phone consultations, virtual meetings, in-person appointments by request, and 24/7 online quote forms for single- and multi-vehicle auto, supported by Google, Facebook, LinkedIn, and Instagram presence plus a $6-$12 Amazon gift-card referral program. Customer testimonials emphasize personalized service, multi-carrier comparison, and long retention (7-15+ years). The technology stack is industry-standard: Zywave-powered website, Cloudflare, Google Analytics, and reCAPTCHA, with no proprietary AI/ML, patents, or unique platform components disclosed. The agency carries BBB A+ accreditation and a 4.9-star service rating.

Name

12timesbetterinsurance.com

Legal name

12 Times Better Insurance Plus

Website

https://12timesbetterinsurance.com

Company type

Private

Founded year

2020

Operating status

Operating

Short description

12 Times Better Insurance Plus is an independent insurance agency in Auburn, WA, serving Washington State consumers and small businesses with personal and commercial coverage sourced from 14+ carriers through a virtual, sales-led model.

Ownership category

akta.pro rank

Product category

Insurance Agency / Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

Accident & Supplemental (Non-Life) Insurance (FSAJAKAA)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Auto insurance agents
• Home insurance agents

Headquarters

HQ city

Auburn

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, 12 Times Better Insurance Plus earns commissions from multiple insurance carriers (Allstate, American Modern, Arrowhead, Bristol West, Dairyland, Foremost, Hagerty, Liberty Mutual, National General, Progressive, Stillwater, The General, Travelers) for policies placed. Commissions are paid as a percentage of premium written. The agency also offers a referral program where they pay $6-$12 Amazon gift cards for referrals.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

An independent insurance agency based in Auburn, WA, providing personal and commercial insurance brokerage services by comparing policies across 14+ carrier partners. The agency serves individuals and small businesses in Washington State through phone consultations, virtual meetings, online quote forms, and in-person appointments, helping clients select coverage for auto, home, business, recreational vehicles, pets, and specialty lines.

Product overview

12 Times Better Insurance Plus is an independent insurance agency based in Auburn, WA, offering a comprehensive portfolio of personal and commercial insurance products. The agency operates as a broker representing multiple insurance carriers, enabling them to compare policies across providers to find optimal coverage at competitive prices. Their product portfolio spans personal lines (Auto, Homeowners, Renters, Condo, Landlord, Manufactured Home, Motorcycle, Pet, Recreational Vehicle, Life, Earthquake, Flood, Watercraft) and commercial lines (Business Owners Policy, General Liability, Professional Liability, Workers' Compensation, Commercial Auto, Commercial Property, Commercial Umbrella, Contractors, Builders Risk, Liquor Liability, Vacant Dwelling). The agency differentiates through personalized service, independent carrier representation, and community focus.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for personal vehicles including collision, liability, comprehensive, medical payments, and uninsured/underinsured motorist protection, for individual consumers in Washington State.
• Homeowners Insurance Package policy covering property damage and liability for injuries and property damage caused by family members to others, for homeowners in Washington State.
• Business Insurance General liability, property, business interruption, commercial auto, professional liability, and workers' compensation coverage for small businesses.
• Commercial Auto Insurance Coverage for business vehicles including liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.
• Motorcycle Insurance Liability protections, uninsured/underinsured motorist coverage, property damage, vandalism, theft, roadside assistance, and towing for motorcycles.
• Pet Insurance Coverage for pet medical expenses including lab work, prescriptions, X-rays, surgeries, hospitalization, and dental work.
• Recreational Vehicle Insurance Insurance for RVs, boats, ATVs, snowmobiles, campers, motor homes, and travel trailers.
• Life Insurance Term life and whole life insurance policies providing death benefits to beneficiaries.
• Renters Insurance Property protection against damage and theft, plus liability coverage for third-party injuries or property damage for renters.
• Condominium Insurance (HO-6) Coverage for condo owners including dwelling, personal property, personal liability, and additional living expenses.
• Landlord Insurance Property and liability coverage for rental property owners.
• Manufactured Home Insurance Specialized coverage for manufactured or mobile homes.
• Flood Insurance NFIP-backed coverage for structure and contents against flood damage.
• Earthquake Insurance Coverage for dwelling, personal property, and loss of use following earthquake damage.
• Watercraft & Boat Insurance Liability, medical payments, property coverage, and uninsured watercraft protection for boats.
• Builders Risk Insurance Coverage for buildings under construction, materials, supplies, and equipment during construction projects.
• Business Owners Policy (BOP) Insurance Combined package including general liability, property insurance, and business interruption coverage at a discount for small businesses.
• Commercial Property Insurance Coverage for business physical assets including buildings, equipment, inventory, and furnishings against covered perils.
• Commercial Umbrella Insurance Excess liability coverage that supplements underlying policies when claim limits are exceeded.
• Contractors Insurance Comprehensive coverage for contractors including commercial property, builder's risk, tools/equipment, commercial auto, liability, umbrella, and workers' compensation.
• General Liability Insurance Coverage for third-party property damage, bodily injury, personal injury, advertising injury, and associated legal fees for businesses.
• Liquor Liability Insurance Coverage for businesses selling, serving, or distributing alcohol against medical bills, property damage, and legal expenses.
• Professional Liability Insurance Coverage for claims arising from negligence, personal injury, incorrect advice, and misrepresentation.
• Workers' Compensation Insurance Benefits for work-related injuries or illnesses including medical care, wage replacement, vocational rehabilitation, and death benefits.
• Vacant Dwelling Insurance Coverage for unoccupied residential properties.
• Specialty Services Additional specialized insurance services for unique coverage needs such as classic cars and special events.

Quantifiable outcome

• 4.9-star service rating with multiple 5-star Google reviews
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

13 partnerships are on record, tiered core.

• AllstatecoreChannel Partner/ Reseller/ DistributorNational insurance carrier represented by agency for personal and commercial insurance products including auto, home, and business coverage.
• American ModerncoreChannel Partner/ Reseller/ DistributorInsurance carrier specializing in manufactured home and specialty insurance products.
• ArrowheadcoreChannel Partner/ Reseller/ DistributorInsurance carrier represented for property and casualty insurance products.
• Bristol WestcoreChannel Partner/ Reseller/ DistributorNon-standard auto insurance carrier for high-risk drivers.
• DairylandcoreChannel Partner/ Reseller/ DistributorInsurance carrier for motorcycle and specialty vehicle insurance.
• ForemostcoreChannel Partner/ Reseller/ DistributorInsurance carrier for manufactured home, motorhome, and specialty insurance products.
• HagertycoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for classic and collector vehicles.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier for personal and business insurance products.
• National GeneralcoreChannel Partner/ Reseller/ DistributorInsurance carrier for auto, home, and commercial insurance products.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national auto and commercial vehicle insurance carrier with standard and commercial products.
• StillwatercoreChannel Partner/ Reseller/ DistributorInsurance carrier for property and casualty insurance products.
• The GeneralcoreChannel Partner/ Reseller/ DistributorNon-standard auto insurance carrier for high-risk drivers.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier for personal and business insurance including auto, home, and commercial products.

Scale indicators5 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• State Farm: Largest US personal-lines carrier, distributed exclusively through captive agents. Competes head-to-head with 12 Times Better Insurance Plus for Washington auto, home, and life customers, particularly standard-risk profiles.
• Lemonade: Direct-to-consumer insurance carrier offering renters, homeowners, auto, and pet insurance via a mobile-first app. Competes for the same standard-risk personal lines customers that 12 Times Better Insurance Plus serves, though without the agent-led high-risk placement capability.
• Progressive: Major national auto and commercial vehicle carrier that operates both direct and independent-agent channels. 12 Times Better Insurance Plus is both a Progressive partner and a competitor on the same Washington auto customers.
• Allstate: National personal-lines carrier with both exclusive (captive) agents and independent agent distribution. Comparable because 12 Times Better Insurance Plus's owner started as an Allstate captive agent in 1995 and Allstate remains a key carrier partner.
• GEICO: Large direct-to-consumer auto and home insurer. Competes with 12 Times Better Insurance Plus on standard auto and homeowners, frequently undercutting independent agents on price for clean-risk drivers.
• Liberty Mutual: National multi-line carrier selling personal and commercial insurance through direct, captive, and independent-agent channels. A direct carrier partner and competitor to the agency for the same Washington households and small businesses.

Emerging players

• SmartFinancial: Digital insurance comparison platform that connects shoppers with multiple carriers across auto, home, and commercial lines. Comparable as a multi-carrier distribution intermediary competing for the same comparison-driven consumer.
• CoverHound (now Hound Labs): Digital commercial insurance comparison platform connecting small businesses with multiple carriers. Comparable on the commercial-lines comparison-shopping proposition that 12 Times Better Insurance Plus delivers manually for its contractor and small-business clients.
• Policygenius: Online insurance marketplace that helps consumers compare and buy life, home, auto, and disability coverage from multiple carriers. Competes directly with 12 Times Better Insurance Plus on the comparison-shopping value proposition, though it does so digitally rather than through a local agent.

Direct peers

• The General Insurance: Non-standard auto insurer specializing in high-risk drivers via direct and agent channels. A current carrier partner of 12 Times Better Insurance Plus and the closest direct competitor for non-standard auto placements in Washington.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/12TimesBetter
• LinkedInlinkedin.com/company/12timesbetterinsurance
• Instagraminstagram.com/12timesbetter

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 12timesbetterinsurance.com