Insurance is a great racket (scam), you need it for everything. You pay thru the nose for it. Comes time to collect it is another thing.

My Uncle had it for 30 years on his house, somebody crashed into his porch, did about $3,000 in damage, he went to collect the money and they canceled his policy. He was considered a risk (go figure).

I have AllState and have had no problems with them. I hit 2 deer they paid right away (of course hitting 2 deer one month apart made my payments go up).

Good Luck Mike.