Working With Real Estate Agents

I'm looking for some insight on marketing to real estate agents and mortgage brokers for homeowners insurance leads. I have a few questions:

Are there any agencies that still make a do a lot of referral business this way or am I beating a dead horse?

I'm sure these guys get hit up all the time for insurance referrals and most likely already work with a friend or have a "guy". How hard is it to add value to agents and win over their business?

With the average homeowners premium in California around $700 and commission at 13%, I pretty much have to cross sell other products to come cl
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