The insurance carriers figured out that if you carried a
higher deductible (which went
toward claims that the carrier paid), they could afford to reduce your premiums, based on less out of pocket expenses for them and the increased value of the money (
interest) they could
earn by not paying it out.
If you follow the latter mentioned path, and
earn what you
earn as the result, however much that may be per year, then you are following the path of a hugely successful «Professional» Realtor, with all of the responsibilities that that entails, including unquestioned
high moral / ethical standards, character, honesty, truthfullnes and an inherent personality trait that embraces altruism
toward one's clients» best fiduciary
interests, whatever the monetary pay offs that may or may not be attached to said potential transactions.