The last time I renewed my policies with a name most all here believe in: the service representative actually said I was paying a bit more for my insurance that what my house is worth. I have been faithful to this insurance company for a long time now, and that transgression makes me worry a bit. The next time my insurance is up I will be getting 3 quotes before I decide who to go with. I used to do every 2 years and I got away from it, it is a good practice. MHO.