[ksar]

Multi-line discounts are a key selling point of going with one carrier, something a good independent broker should arrange for you.

As an insurance customer, you have the right to switch agent representation at no cost to you (generally). What other value-added services do you think your local broker could offer outside of accommodating the occasional drop-in? What would compel you to switch brokers?

[codingdave]

I'm not sure there is much that would compel me to change... Finding a broker is a question most people solve when they first start needing insurance. The only reason to switch would be a breakdown of my current broker. It just isn't something I shop for... the problem is solved acceptably in the status quo.

Which is a bit of a problem for this idea... you aren't solving a problem... just adding a new flavor to existing solutions.