@Jonathan Gregori You should always get quotes from a few different sources, including a good brokerage and a few of captive agencies (brands like Allstate, State Farm, etc.)  

-Are you with a broker or a captive agent? 

We have about 500 customers engaged successfully in using these solutions in addition to our core clients who have actually set up their own captive finance companies.  

I recently stumbled on to real estate investing a few months ago and have been absolutely captivated by it ever since.

Most of my clients get quotes from the "captive" insurance companies and when I put them in touch with a few local brokers they often times pay half or less.

As opposed to a captive agent (e.g. that only works with one agency, such as Farmers...).

It sounds to me like you have some captive investors, perhaps a small group that are wanting to leverage thier lending power and your incentive is then doing more deals.If that is the case, are you intending to hold these as rentals?

@Haickel Padron I ended up using a captive agency for my house, cars and personal umbrella, and then I use a local independent agent to do all of my rentals.

We are being held captive by his refusal to do what is legally correct.

If you're going to a captive agent (State Farm, Allstate, etc), they probably don't have the resources.