Just a word of warning on brokers, my buddy was getting home insurance about 6 months ago for his new house, and the quotes coming back from the brokers were pretty high for the value of his home. He said he made a few calls himself and every quote was lower than the "best possible" price the broker could get him. Ended up dropping the broker.
TL;DR - Make sure your broker has good references (like the ones here from CP) or you might be better flying solo.
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