Ted Hamm Insurance Co is a broker and knows us by name. We have been long time clients. When one insurance company dropped us because we are in a high risk fire area, they did all the leg work to find us new insurance. It was at a higher cost, but not so much that it wasn't feasible. They answer their phones right up until 5 o'clock, and will stay a little later if they have to. Most importantly they know their clients, their needs, and they know the companies they deal with. I have already recommended them to others