As an intermediary between an insurance shopper and various insurance companies, a home insurance broker can be useful if you have an unusual or hard-to-insure property or if you don't have time to shop on your own. You might want to use an insurance broker if you’re looking for the best possible price on a policy or if there is something unusual about the property you want to insure. For instance, some insurance companies won't write policies for certain homes or areas, such as those that could be impacted by tornadoes or hurricanes.