[Kevin in NJ]

Shop around.

I am in NJ. Had my auto with 21st century (Farmers co.), cars with Conden and Skelly, and an umbrella through Personal Umbrella.

Went to a local Farmer rep and switched auto Farmers and umbrella to farmers. They wanted my house to be with Farmers too, but I am in the 2 mile from shore huricane zone and only 4 companies write this area. So I was able to keep my house ins. They just needed to see my antique policy to add it to the Farmers umbrella. I am saving a few hundered dollars doing this.

Being in the 2 mile from shore gives some odd problems. I was quoted a $36,000 huricane deductible which was not good to me, so for like $100 more I got a $9000 deductible. Figured it best to stay with my current homeowners with a $1000 deductible. To be honest we have not had a major hurricane in this part of NJ since like 64 I think. But with the climate change who knows. Our weather patterns have changed a lot in the last few years.