You have many choices of sources for homeowner insurance, although markets availability varies depending on State of residence and even localities within.
I suggest using an independent agency, since they typically have more options for you, in terms of insurance company possibilities to suit your particular needs. Unlike internet insurance buying, independent agents give you the opportunity to get answers to your questions and insurance buying advice.
As for another option, 'captive agents' typically have only one carrier to offer you.
Ask the independent agency representative about the financial strength/size and AM Best's rating of each carrier they recommend for you.
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I suggest using an independent agency, since they typically have more options for you, in terms of insurance company possibilities to suit your particular needs. Unlike internet insurance buying, independent agents give you the opportunity to get answers to your questions and insurance buying advice.
As for another option, 'captive agents' typically have only one carrier to offer you.
Ask the independent agency representative about the financial strength/size and AM Best's rating of each carrier they recommend for you.