I checked the yellow pages and most of them are agents or agency selling homeowner insurance. Where can I get the list of all the insurance company selling homeowner insurance in the country in order to get in touch with them directly?
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LOL you can’t.
BUT. You can go to the state insurance department website, for the state where the house is located, and get a list of all carriers that write in that state. Then, you can call each of them, and ask if they write directly.
Off the top of my head, I can think of a few carriers that write directly – USAA, Amica, and Hartford used to but I’m not sure if they still do. But you can make the thousands of calls, to see if any of the rest write directly. It’s NOT a common business model.
Why? You don’t save money. If you could go to court with or without a lawyer, and the cost was the same, which option would you choose? Buying direct from an insurance company is like going to court without representation. "A person that would represent themselves in court has a fool for a client."
Call a professional (an insurance broker) and buy the right plan. AND, even if it’s the same plan you would have chose on your own, you’ll pay the same AND you’ll have an advocate for billing a claim issues.