07-12-2013, 09:21 PM
If you use an agent that represents several different companies, you can get quotes on all your policies and compare the costs and coverages. Let the agent do the leg work getting the quotes. Give him/her a list of must haves such as deductibles, replacement of possessions instead of depreciated value, stuff like that. Liability and injury coverage is very important as well. You want to make sure you have enough coverage if you or the OL is injured in the car or on your property. An agent can also help you with life insurance, a disability policy, and a long term care policy. I never gave much thought to that kind of coverage until my brother got sick. Thank God he has those.
Devil Money Stealing Aunt 