The Best of Both Worlds Here are a few reasons we’ve chosen to be independent. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Did You Know This Fact About Claims Advances? If a fire forces you out of your home, you can ask for a claim advance. What is a Deductible? Do you know what a Deductible is? Did You Know This Fact About Emergency Preparedness? An emergency kit is essential for every household.