1. They like apathy. Those who shop get better deals. 2. Not all insurance agencies are equal. While they are pretty heavily regulated, there is enough wiggle room to screw you over. Look at insurance ratings. Top two are always Amica or Hartford. They are not the cheapest, but IMHO they are so much better than allstate/statefarm/progressive/etc. A few years ago, we had a major storm in our neighborhood. Most of the houses needed new roofs and new windows / siding / paint. My insurance gave me a check for $95K. My neighbors with the 'lowest cost' insurance got checks <$5K. They got told "Nah, your roof isn't bad." "Nah, your siding was already damaged." Lots of BS. It was really eye opening as to how bad allstate/statefarm/etc are. Crooks. Related: https://www.insurance.com/home-and-renters-insurance/coverage/j.d.-power-names-best-and-worst-insurers-for-property-claims.html