You need to price around. I did and my insurance went from $1100 per year to $730, I switched from Frankenmuth mutual to Farm Bureau. The coverage is almost the same. Things to check for:
1. What is the replacement cost of the house, IE if it burns to the ground, some insurance companies have this rated too high. Mine was. I made the statement to Frankenmuth that the whole house including the land would be $250k (the house alone was insured for $250 and the land wouldnt burn down with the house, etc.
2. Contents of the house, is the furniture and appliances worth $30k, not my stuff.
3. I am automatically receiving $5,000 in firearms replacement coverage, a good amount.
I think of insurance companies as car salesmen. You can buy a car without all the fancy options, just like home owners insurance, you dont need all the expensive riders either.
Stuff that might get overlooked would be wedding rings, vandalism coverage, septic system backup.
Read the whole policy before you sign up for new coverage.
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Today's Featured Article - My Ford Golden Jubilee - by Troy Estes. This article is about my '53 Ford Jubilee and a story that starts with taking the tractor to my brother's Starter/Alternator Rebuilding shop for a wiring fix. The generator was shot as well as all the wiring. I dropped off the tractor expecting a transformation from a 6 volt to a 12 volt system utilizing the original generator housing, and a total rewiring of the whole tractor. The front end center pin bushing was worn also so I ask that they replace it if they had time. Well, that’s wha
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