The Home Insurance Blog

Being cheap doesn’t come without a price though. Although their low commission structures can most often work up quotes that could compete with direct writers’ quotes, the drawbacks are just as large. For one thing, buying from an in-house agent will not give you much choices in homeowner policies. This is not a good thing [...]

Captive sellers are known as they are because they employ an in-house, or should we say, “captive” sales force. Some examples of these kinds of sellers are Allstate and State Farm. The largest home insurer in the US is State Farm, with a total “capture” of 24.2% of the 24 billion dollars in homeowner polices [...]