In exchange for hefty premiums, high-end insurers provide perks you can't get from Main Street insurance companies.

Despite the fact that the Southeast has experienced more billion-dollar disasters in the past 30 years than the rest of the country combined, the coastal states have some of the weakest building codes in the U.S.

When disasters strike, communities with strong, well-enforced building codes fare better than those without.

Agents need to offer a customer-focused wrapper, 24/7 access to all products, policies, premiums, payment information, access to documents, claim forms, and customer care call centers.