Are your homeowner insurance rates going up? Don’t worry, you are not alone. The changing market is causing carriers to make major changes to their rates. Due to the unprofitability of home insurance, many carriers are no longer writing a home insurance policy without having the auto. Fortunately, Lambert Insurance Agency has the ability to offer a monoline low cost homeowner policy. Unlike most agencies, we have multiple carriers that have a niche in homeowner insurance and specialty dwellings.