A 110% increase in the cost of my annual premium for my home insurance sent us shopping. Online, I found an advertisement informing me that they could save me insurance cost over my present insurer. With skepticism, I made the call and spoke with a well-informed insurance broker and told my story about the large increase in my renewal premium for my insurance renewal. The initial quotation, from a different insurance company, was calculated and I was disappointed that it wasn't lower than what I presently had. I expressed my disappointment and told her two hurricanes passed over my home and I didn't make a claim for the damages. I simply made the necessary repairs and paid the cost myself. She then took out a sharp pencil and asked me a series of questions about the construction of our home and the safety features of our home. Each answer and an agreement to get a-new wind mitigation dropped the premium cost. The broker even recommended someone for the wind mitigation inspection. I got the inspection, sent it to the broker and got back a quotation that was only 18% over my last year's premium! Simply IOA took the sting out of buying home insurance. The person I dealt with was very efficient, knowledgeable, courteous, and patience. I am recommending this brokerage to my family and friends for at least contacting them to see what the can offer them in insurance cost savings.