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). 

Here is a description of the types of insurance producers in California from the department of insurance website.The following are descriptions of the four basic distribution methods: Captive AgentA broker-agent acting as a captive agent represents a single insurer, or single fleet of insurers, and is obligated to submit business only to that company or, at the very minimum, give that company first refusal rights on a sale.Insurance BrokerA broker-agent acting in the capacity of an insurance broker is an independent insurance sales person who searches the marketplace in the interests of clients, not insurance companies, and may place coverage with any admitted insurance company.

A well written listing is one that excites and captivates the audience while pointing out the details of the property and its amenities - and does so without grammar or spelling errors.

I've completed a 135 hour salesperson real estate course. but real estate investing has since captivated me much more than working as an agent ever has. 

Some agents are "captive agents."

Enthusiasm coupled with conviction is a captivating duo.

Of course you would have said it much more captivating :)

From the moment I signed up, I was immediately captivated by its user-friendly interface and seamless navigation.

The sign said “bread in captivity”