Its not a bad way to go if you don't have the time to research all the different insurance companies. Your agent will have access to subsidiaries of major insurance companies that you can't get insurance through. Often times they offer better rates than what you can find on the local market. They also do all the paperwork, file with your escrow company for home owners insurance, and you pay the agent NOTHING.
NOTE: This agent will not proactively look for new/better rates when your insurance is expiring. So make sure you call a month before that time and ask them to research for you. We saved over $500 a year by doing this. There is no loyalty with insurance companies, so do not be afraid to switch year after year if the rates are better. read more