While insurance is usually the last box that gets checked when buyers are going through the homebuying process, the most direct gateopeners for me are mortgage brokers. Because credit and Debt to income ratios are very important to securing a home loan, I add value to their business by offering 8 different homeowners insurance carriers providing the best fit for the best price. While premiums are greatly impacted by credit, they are also impacted by claims, location, and the age of the home. Having multiple options for insurance helps me keep the premiums down. I offer private flood insurance with no waiting period. Additionally, I can easily make changes to effective dates and can bind same day coverage.