This is a long thread, and I admittedly haven't read through it all...but did you find insurance? I've found that the Independent Insurance Agents are the place to be most of the time. They tend to be smaller, so service is a big deal to them. And their group arrangement gives them access to many insurance companies that they can write policies with. That's a lot of market to shop with a single application.
BGE - Med, 22" Weber OTS - 2010, 18" Weber OTS - 2001, 2 x Dual Layer UDS