Nor was I until forced to as my agent of 26 years retried and i went through 4 with the same company before throwing the towel in due to rate hikes. I had Home, 4 cars, business, life, workmen's comp and a few other policies with near ZERO claims. Only hail which was beyond my control as was the dishwasher pump taking out the kitchen floor. I was rewarded with a 35% hike for that. The new agents were never available, wouldn't return calls most times and so I bailed.
I can guarantee you they made a lot of 💲💲💲💲💲 off me but that didn't matter.
If I decided to go self insured I can almost guarantee you a tornado will come ripping though here leveling the place and taking the cars with it . or it'll suddenly burn to the ground. that's my luck on some things which is why i don't gamble or play in the stock market