I have a Home Based Agent too. He really knows his stuff and I've never had any problems. Excellent service and he takes care of things before I even have to ask. My first cruise was booked with a big "Brick and Mortar" Agency. The service and advice was pitiful. I wouldn't book a boat for a day on the lake with them again. The lady told me to take a T-shirt for a tip to my cabin steward!
The best advice is what Cruise Fanatic gave.