It all began when a wealthy homeowner, unhappy with the premiums he was paying for his home and other personal property, asked his agent to try to find him a better deal. Since that agent primarily writes commercial insurance and this was an important client for him, he turned to Dungan. It was especially important to the agent that the various pieces of the account all be placed with the same company and carry the same expiration date for simpler renewals, better retention, better pricing and to avoid coverage gaps.