Captive agents such as State Farm, Allstate, Farm Bureau, etc. typically don't write vacant dwellings or anything outside of a standard homeowners policy. 

But they still get to shop the market, and aren't captive vendors to just one carrier's rates/policies/etc.Why I have a vested interest: If you go broke due to an insurance claim and having insufficient coverage, you probably can't take out any more mortgages.... cuz you're broke! 

I highly recommend you find an independent insurance broker that isn't with one of the captives like State Farm, American Family, or Farmers, since they only have the one product to push on you.

Their underwriter either owns a separate nationwide QI firm called a "captive QI" or they have a relationship with an independent firm like us.Demonstrated experience and references for actual clients are your benchmark. 

The dumbest AE I've met is smarter than an average sales middle management banker person ("division vice president" or "area manager" or "emperor" or w/e) - they have to be, since they aren't asking you to sign a captive vendor agreement. 

I find it very rude for the meeting host or hostess to plop a "guru" on stage in front of a captive audience.

"motivated seller" in ad titleList: $120,000 (down from 150,000 a week ago)Currently rented @ $1300taxes: $157condo fee: $387 Expenses:95920 @7% 30 years = $6401300 x .5 = 650CF's 10 bucks a month this wayI'm thinking of offering $108000 I know the CF is on the low end but its my first deal in an area with VERY high demand and a captive audience (college kids).

What area of investing captivates you?

There's the surveillance plane collision when the US pilots were held captive for 10 days and our country's equipment and data was stolen by the Chinese government during his first 100 days in office.

My 401k is currently captive but the rest of it will be rolled into my SD Roth IRA at the earliest opportunity!