Sounds good if I did not already have insurance. But I do have insurance. Multiple policies, some of which are practically free after the multi-policy discounts you get when working with a single broker. And my broker is local, easy to deal with, will drop by if I need him.

I do like the ease of adding a new big ticket item via mobile, but I don't need the middleman, and don't want competing offers from a network of brokers.

Maybe I'm just not the target market. But I suspect there are more people like me who would get a better deal with my current broker vs. a new policy on a single item with a new broker.