> Their incentives to represent the consumer are rooted in the fact that the consumer can switch to another insurance company. Two follow ups: 1) Isn't this i

> Their incentives to represent the consumer are rooted in the fact that the consumer can switch to another insurance company. Two follow ups: 1) Isn't this inefficient? E.g. insurance is most efficient the larger the pool is. Doesn't this system introduce inefficiencies (and therefore risk) into the market? 2) Do you feel like there are adequate tools to choose between different insurers today, and do you expect that everyone who owns or improves property should be reasonably expected to make an informed decision about which insurance company to go with? It's hard enough now to insure my car, let alone all the individual decisions that go into building a house. (From materials to design decisions to occupancy rates to the health of the occupants, etc.)