There are companies that insure directly, removing the broker. However, I would never use one, even though I do read every clause of every policy I own and understand its implications. If you can't say the same thing, then you definitely don't want to consider removing the broker, in my opinion. Even if you do read the policy word by word and understand how many ways they have given themselves the advantage, you still want a broker, in my opinion. The insurance company is in business to make a profit. As such, one of the key targets is minimizing claim payouts. This is done through clauses in the policy, implied and explicit, as well as various techniques that at times aren't in the policy (just google XXX Direct (pick any insurance company with "Direct" as a part of their name) refuses to pay). If it is you, with your $100, $200 or even $1300 premium versus the insurance company with their millions of dollars and deep legal team, how much chance do you think you will have negotiating a payout that is optimal and fair to you the policy holder if doing so is not to the advantage of the insurance company? On the other hand, the broker is dependent on your 25%, for each of your policies, and the power of your word-of-mouth references, good or bad, can make or break a brokerage.
