It doesn't change the price, so why not get professional help? Also, why consider just one or two direct companies when the broker can likely show you those AND others and help you.
Otherwise, you're free to do it yourself. But, if I could have Bob Vila build me a deck for the same price it'd cost to DIY it, then I'd let Bob do it. With insurance, it's not JUST about buying the insurance. It's about getting help getting paid at claim time too, so having additional help in your corner is a valuable resource.