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 - Tractor Profile: Allis-Chalmers Model G - by Staff. The first Allis-Chalmers Model G was produced in 1948 in Gasden, Alabama, and was designed for vegetable gardeners, small farms and landscape businesses. It is a small compact tractor that came with a complete line of implements especially tailored for its unique design. It featured a rear-mounted Continental N62 four-cylinder engine with a 2-3/8 x 3-1/2 inch bore and stroke. The rear-mounted engine provided traction for the rear wheels while at the same time gave the tractor operator a gre
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