I received my home owners insurance bill today. $818 Ugh. As always American Family bumps up all my values by $5000, just because they can even though the amount of my mortgage goes down. Every year I have to call and have them bump the numbers back down and even still I've seen the premium somehow climb up from around $550 in just a matter of few years.
Since you're always advised not to file any small claims for the risk of driving premiums even higher, I just want a barebones policy with a high deductible that covers the big-item essentials.
Doing a little research looks like both Allstate and Western Mutual can offer similar policies as AmFam without all the extras for around $400. I can't believe I didn't shop around sooner!