I'm looking for homeowners insurance agent recommendations. Our two-story flat-roofed duplex is insured by Liberty Mutual. Last year it went up by $600, but we got it reduced by switching our car insurance to them so the net increase was only $200. This year it went up by $600 again. We have never had a claim against it (in 4 years at this location). When I have shopped in the past, the number of companies willing to insure a flat-roofed brick property including a rental unit was fairly low. Please send me to your favorite insurance person. I need help.