About Us

Established in 1935 by Howard Duling, our company has grown to a full service insurance agency. Currently, Duling Insurance Agency serves the Auto / Car Insurance, Home Insurance, and Business / Commercial Insurance needs of about 6,600 individuals and families, and 480 business concerns in Owen, Monroe, and adjacent counties.

Duling Insurance Agency, Inc. is a group of proven professionals, caring and conscientious people you can depend on. We have a commitment to maintain a high standard of excellence in all that we do and to establish a firm relationship of mutual trust and service with each of our clients.

We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment. We represent a carefully selected group of financially sound, reputable insurance companies, and we place your policy with the company offering the best coverage at a competitive price.

Duling Insurance Agency, Inc. is prepared to provide you with a no cost, no obligation review and comparison of your insurance.

An Independent Advantage

We are Independent Agents in Spencer, Indiana, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Duling Insurance Agency represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.