I've never used an Insurance Broker before as I have always communicated directly with the Carrier I wanted to purchase a "bundle" package, i.e. Home and Auto coverage. I first had to deal with the Auto salesperson, as he stated he couldn't sale Home Insurance but would get me over to the person who could after we completed the Auto portion. I wanted to make sure I could bundle but what would happen if the Home policy was too much. After completing the Auto policy purchase was sent over to the Home Insurance and yes, as afraid, the Home Insurance was way too much, therefore I couldn't bundle and get the discounted rate. I'm still looking for Home Insurance coverage! Will never utilize an Insurance Brokerage Company again and I caution anybody who is thinking about it to rethink more than once. Very disappointed!!!!!