Dufferman
Check with American Family, which has been very aggressive getting new accounts. I shopped everyone including Geico for home insurance, I don't trust those quotes from the other side of the continent over a phone line or internet.
American Family still send out their rep. to physically visit your property before the bonding of the contract. Although the policy had been increasing each year like everyone else, it's still the most competitive one in our region. Especially they carry the earthquake premium in house, which many of the large carriers no longer do.
If I were you, I would not do business with those whom will back paddle out of a potentially higher risk situation.
I would pull the policy with the Geico period. Some of the carriers even go as far as asking if we have dog (s) in the household. It seemed they do not insure with household which have certain large or aggressive breed of dogs.
If an insurance company does not spread the risk among all the policy holders and just looking for easy money, then I question their management tactic. If anyone whom could not manage their own risk well, the how can I trust them for managing mine ? They are in the business of taking and managing risk, don't they ?
Like the commercial on the TV, who really read the 20 some pages contract of your insurance policy line by line ?
Lawyers do that, not a layman consumer. If you happen to read your policy like I do, you probably already know all the "exclusions" added to the policy over the last 2 decades. If it keeps going on like this, there would be nothing left an insurance policy would cover.
This would be another bone breaker right on the heels of the health insurance.
We might go backward to self insured communities just like the large enterprises are doing already.
