Judging an insurance website design company comes down to five questions most sales calls never answer plainly.

Vague answers about who owns your content after cancellation, an hourly rate for revisions instead of a flat price, or a build fee described as due before any work starts rather than after launch.

Yes, and look for genuine variation between them, not the same layout with a different logo. A company that gives every agency a visibly different brand is doing custom work; one that gives every agency the same template with new text is not.

Not if the revision policy is hourly, the build fee is due up front, or the speed guarantee does not exist. Compare the full terms, not just the headline number.

Ask the general agency the same five questions above. If they have not thought about insurance-specific compliance wording or line pages, you will hear it in how they answer.

Who does the work after launch, how many changes are included and how fast, what the hosting arrangement is, who owns the domain and the content, what happens to the old URLs, and what is guaranteed in writing. The answers separate firms faster than portfolios do.

For an insurance agency, usually yes, because the compliance instincts and the page structures already exist. A good generalist can get there; you pay for the learning either in money or in months.

Add up a year of the one-off: the build, hosting, the domain, the changes at their hourly rate, the articles nobody will write, and the redesign in year three. Then compare that with twelve monthly payments where all of it is included.

A written summary after the demo: which plan, what it includes, the launch date, what we need from you and what the build fee is. No tiers of scope invented to make one look reasonable.