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Debbie A. Ward, AAI Hello, I'm Debbie Ward with D. Ward Insurance. We are a full-service independent insurance agency, which means that our agents shop a network of trusted insurance carriers on your behalf to help you select the right policy.


Our goal is to make your process of purchasing insurance as simple as possible by taking the frustration out of insurance buying.


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Independent Insurance Agent vrs Captive Agent:

Here are some reasons why customers would rather choose an Independent Insurance Agency such as D. Ward Agency instead of an agent that only works with one carrier like State Farm, Allstate, Geico or Farmer's just to name a few. These type of agents are known as "Captive Agents" and captive agents cannot offer other insurance carriers. Captive agents have only one company limiting their coverage options and price comparisons. Simply put, State Farm, Allstate, Geico, Farmer's and other captive agents work for their employer - the insurance company. Whereas, an independent insurance agent like D. Ward works for "You" with policy selections from many different top-rated insurance carriers.

Another reason to place your trust in D. Ward instead of captive agents would be helping with unforeseen claims. Captive agents underwrite based on claims and without other insurance carriers for them to work with, they cannot assist their customers with replacement policies when unfortunate claims happen. Simply put, State Farm, Allstate, Geico, Farmer's and other captive agents leave the search for replacement coverage up to the customer, but with D. Ward being an independent insurance agency, we move our customers to another one of our many top-rated carriers within our agency allowing us to always be there when our customers need us most.

Some of our carriers at D. Ward that we underwrite to price compare and coverage shop are Hartford, Auto Owners, Utica National, Progressive, Haulers, Mercury, American Strategic, US Assure, American Modern, Hagerty, Safeco, CNA Surety, Foremost, and more. With D. Ward representing many "A" rated insurance carrier, we are committed to building long-lasting relationships by providing more carriers for more choices and this is the #1 reason why customers choose D. Ward Insurance Agency instead of a captive agent.


Below are our offices and we welcome your visit if you are in the area.


D. Ward Insurance Services, Inc. since 1988
Hours 9 to 5 Mon- Friday  Office: 770-974-0670  dward@dwardins.com
(Mailing:1720 Mars Hill Rd #8-185, Acworth, GA 30101)
Location Map and driving direction  (Physical Address) 3440 Blue Springs Rd, #503, Kennesaw, GA 30144 



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We welcome your call or email: Office 770-974-0670  dward@dwardins.com