My uncles own an insurance agency so I go through them. But even if I didn’t have family in the business I’d go through an agent. Nothing like having a professional in the business working for you to shop for you, make sure you have proper coverage, and to be able to choke face to face should a claim get denied. You don’t pay much extra and if they’re good at their job the savings from getting a good deal outweighs whatever they skim off the top.
That being said, I have Erie & Niagara for homeowners.