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The holiday season is filled with happiness, fond memories and of course, good food and company. And, if the past year and a half has taught us anything, it’s the importance of savoring those tranquil moments, like laughing with family, catching up with friends, and even snoozing your alarm!

You might have several insurance policies protecting your home, car, life, and even business, but do you know whether your policies were purchased from an insurance broker or an insurance agent? And why does this distinction even matter?