Sandtrap makes some very good suggestions. As a recently retired insurance agent, I recommend that you carefully compare coverage, and not base your decision only on the premium. There are a multitude of optional coverages that vary widely from company to company. Do they offer replacement cost coverage for your contents, what about coverage for backup of sewer or drains, are there adequate limits to cover your valuable jewelry or fine arts? A good agent will take the time to explain the options and allow you to decide if they are important to you.
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