A broker that compares options among dozens of providers is also helpful compared to a captive agent that only has one company's policy. 

Another option which might not be realistic for a lot of people or even too complex to understand is called a "captive" , Google it.

Military deaths from all causes totaled 21–25 million, including deaths in captivity of about 5 million prisoners of war.

Are we all held captive by financial leeches?

However, the process is captivating (I don't know if it's legal?...).

Is your BD actually helping raise funds with a captive sales force or are they acting as just a managing broker dealer?

Call centers, direct internet writers, and captive agents do not have the same capabilities or service level of a good IA.

Work with an Independent Agency rather than a captive like State Farm. 

This is what ChatGPT said about it.IRS Code § 831(b) refers to a special tax provision under the Internal Revenue Code that applies to small insurance companies, particularly “micro-captive insurance companies.”Here’s a plain-English summary:IRC § 831(b) - OverviewWhat it does:Allows small insurance companies to elect to be taxed only on their investment income (and not their underwriting income, or insurance premiums received).Key Features:Eligibility Cap:As of recent updates, to qualify under § 831(b), the insurance company must have annual net written premiums or direct written premiums that do not exceed $2.8 million (as adjusted for inflation).Election Required:The insurance company must formally elect 831(b) treatment with the IRS.

Quote from @Mike Grudzien: Farmers Insurance has a rental insurance division called: Foremost.Could be worth checking out through a Farmer's agent Foremost is an insurance company based in Michigan that is owned by Farmers which itself is owned by Zurich.Foremost underwrites many types of insurance but dwelling insurance for long and short term rentals is one of their specialties.Many independent insurance agencies represent Foremost which is advantageous to working with a captive Farmers agent because we have options beyond Foremost and can shop the market on your behalf.