Need a recommendation for homeowners insurance broker. Honest and represents honest companies, not one who will bait and switch (can you tell I am annoyed??). Current one upped my limits after the first year (without my approval) to crazy amounts (dwelling limit alone to double what I had just paid for entire house and 3 acres) and then charged me the additional premiums. I realize structural replacement on dwelling can be higher than market paid but are you kidding me? Oh the house I could build with that!! TIA