That is what you get when working with an Independent broker over a captive agent.

I stay away from captive insurance brokers since they cannot write different policies.

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A captive agent (they only sell one major company) can have high rates because they don’t have to compete.

But that's not all—I'm equally eager to forge connections with fellow investors, real estate agents, and anyone captivated by the North Carolina market.If you're keen on sharing your insights or considering potential collaborations, this is an excellent opportunity to join forces and nurture invaluable connections.

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Captive agents like State Farm and Allstate aren't able to do that.

Instead of leaning on clichéd approaches, focus on being genuine: be adept at reading the room, arm yourself with a few intriguing conversation starters, share captivating stories, and maintain that balance between your professional image and personal anecdotes.

During Hard markets, you should have a broker and 3 other big captives shopping your rates on renewal. 

@Ivan Palagniuk I would strongly recommend going to an insurance broker/agent that isn't captive (independent).