Originally Posted by
Stitchnripper
All good advice. I will add to make sure you are going with a company that actually pays claims (hoping you never need to make one). Lots of companies write policies and offer good rates but when it comes to paying a claim it is a nightmare
So true! I go with a company that has a history of paying their claims without problems. We have an umbrella policy with the house and 3 of the cars. I don't worry as much about saving a few dollars as I do about getting paid. We have had a home loss (Hurricane Ike) and car loss (uninsured motorist). Our insurance has been worth paying a few dollars more when we had a loss.
Something else to check is the actual amount you're insured for. I changed agents a few years ago when our agent raised the amount that they were insuring us for. They had us insured for $50,000 for the driveway and fences (I don't remember what they called that but when I contacted the agent that's what she said it was for. They also had some other things that I was paying for but didn't need that much insurance for. Now I read my policy at every renewal just so I'm not paying for a bunch of things I don't need.