We had a great home owners ins and my husband wanted to switch to save like 300 a year. we tried to switch but they wanted to come out to the house and our house is in all kinds of remodelling phases so he didnt want them to come, so the original found out we had a DC and said we needed ins, got it for 250 a year and never did switch! I guess its better to have it, but because he couldnt leave well enough alone, we pay more! (boy, if Id a done that.....!)

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