By using a broker that understands insurance and the companies that offer the products you need, as a homeowner, you get the benefit of someone searching the market on your behalf and offering what is best in the market for your needs. Although not a surprise to most homeowners, every insurance company has its unique position and financial objectives. Having a broker that works with many companies match the product with the consumer by searching the open market to find the best product at the best price can save the average homeowner time, money, and a costly mistake if a needed risk is not covered at the time of a loss.
The Insurance company or the agent that will only recommend their product, does not have true access to an open market of products. So, seeking out an independent agent should be a serious consideration for every homeowner that is looking for the best homeowner’s insurance product.