Make sure you’re saving enough with the “best rates” to make it worth while. 

I’m sure Allstate wouldn’t be the first name out of many mouths. But I insure $400-$600k properties with $500/500k limits for $600-$800/year. I couldn’t save enough to pay for lower quality service. 

I’ve had 2 claims at 2 different properties. Both times it was the toilet supply line that failed. It flooded the homes. Both times I made one call. They had serv-pro out there rehabbing the same day and the tenant moved back in within a week. One time they even refunded by deductible as the sued the line supplier.