[Rachelsdad]

As has been intimated here but not stated explicitly, there is a difference between an agent and a broker.

An agent is an agent for a particular company. While you may find an agent who is personable and well versed in his company's offerings, he or she is, after all, still working for that one company.

A broker, on the other hand, works for himself, thus, for the client. Different brokers will offer coverage from different selections of carriers. You should never think that one broker is offering you all of the possible choices of carriers in your area. You may want to shop around and speak with multiple brokers until you find one offering something you feel is a relatively good deal.

Back to agents for a moment, if you feel that the carrier in general is giving you a good value, but have a difference of opinion regarding how you feel the agent should be handling your account, you should probably seek a different agent for that company.

I offer the above as an accountant who has had probably a little more than a layman's experience with multiple clients seeking my advice on property & liability insurance (and auto insurance).