I am in Tennessee and everytime a client of farm bureau comes in the door with a HomeOwners Policy I cringe. I am currently with Superior Access with the markets of Safeco and Metlife. I also have Travelers and The Hartford, but the do not write monolines. Not only can I not compete with them it is not even close. Being that I am in the first year of my business I do not have many options. I am just looking for advice from some the veterans on this forum. I know I need to get directly appointed with standard carriers in my area, but I am just curious if anyone else is having these issues.