Why Not Do It Yourself

Every carrier has different rules and risk triggers

What one company charges extra for, another company discounts.
What one carrier declines, another accepts.
Without insider understanding, it is almost impossible to know the best fit.

Online quotes leave out critical details

Most self-quoted policies are missing essential coverage, incorrect deductibles, or misclassified risks because consumers are expected to understand underwriting questions that even new agents struggle with.

You cannot see the rating engine. Rates change based on:

• previous losses

• prior insurance

• roof age

• construction

• distance to water

• credit tiers

• occupancy

• inspection results

• dozens of hidden factors

You never see what’s really affecting the price.

You do not get advice — only a price

Shopping alone gives you a number, not guidance.
You still do not know if it is the right structure, if it will actually pay out, or what risks you might be missing.

You do not get cross-state consistency

If you help family in another state, or if you own multiple properties, you must find a new agent in each state.

There is no single point of contact for everything.