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 - On the Road with Dave Gohl: Deere Departed Friend - by Dave Gohl. Have you ever had to part with a dear friend? It's not easy. If it's due to death, your feelings could be in disarray for days, months or even years. Even now after almost 4 years, I still miss my dad. I remember when I was a kid my dad sometimes would tuck my brother and I in at night and we would ask him questions about his childhood on the farm. To this day, it's some of the best stories I've ever heard. And now, I'm so glad that I asked those questions, and if I were a little smarter i
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