Insurance is a complicated commodity. There are minimum legal requirements for certain kinds of coverage, minimum kinds of coverage for certain kinds of things and there are things that you can't get coverage for. The rules are constantly changing and to stay on top of what is the best that can be done for your circumstances at the best possible price, you need an insurance broker to look after your insurance needs. The insurance broker invests the time necessary to learn what kinds of insurance customers the insurance companies want. Matching the insurance customer with the company that wants to insure those kinds of customers results in a good rate for the customer and a good customer for the insurer. It isn't any more complicated than that! You need help making your insurance decisions. You need to know that what you have purchased will meet your needs. You need to know that what you purchased meets the legal requirements. You need to know that the people working for you by choice put your interests ahead of theirs. That is what brokers do! Chose a broker and you will find them dedicated to meeting your needs not theirs. It is how we judge each other in front of our customers and those who don't meet our own standards are separated from the business we do. Choose a broker; they will work for you before their own interests. It is what we do.