You are better off using a broker, they will do the hunting and comparing for you at no extra cost cause they have access to the estimate programs the carriers use. Plus a good broker will keep you in the loop about your coverage needs and where you might be falling short.
Property insurance seems to be pretty fucked unfortunately: I have State Farm and they’re just fucking awful for everything.
You are better off using a broker, they will do the hunting and comparing for you at no extra cost cause they have access to the estimate programs the carriers use. Plus a good broker will keep you in the loop about your coverage needs and where you might be falling short.