An agency site is often the one a carrier or an agency management vendor handed out years ago: a logo, a stock photo of a family on a porch, a list of products and a quote button that opens a long form. Countless other agents run nearly identical pages, so Google has little reason to rank yours for anything beyond your own name. Meanwhile the searches that bring new households (renters insurance for a first apartment, a bundle quote after a move, general liability for a new contractor) go to comparison sites and national direct writers.
Two kinds of searchers, two kinds of pages
Personal lines shoppers usually search with a town and a product and want a fast, human answer. Commercial buyers search more slowly: a restaurant owner reading about liquor liability, a trucking company asking what cargo coverage includes. Pages that treat both the same way satisfy neither. Good agency SEO separates them, then builds depth where your appetite and your carriers are strongest.
Independent and captive agents play different games
An independent agency can rank for comparison language and for niches its markets favor. A captive agent shares a brand with many other agents, so the win comes from the local listing, reviews and pages about the specific community and the agent, rather than about the carrier itself.