[LWJ]

Ok. I have NOT posted a personal claim but I have some credibility.

I work in the commercial insurance field. Meaning businesses.

I have respect for many carriers and less respect for others. I personally have Cincinnati for my home in the PNW. I have earthquake coverage.

MOST importantly, I had the claims adjuster in my office 2 hours ago. He is the only adjuster that my claims manager compliments. Cincinnati pays claims fairly. They are a good company. They are priced competitively. They use independent agents so that your agent is not beholden to the carrier.

I am not a stock-holder in Cincinnati and I am not exactly sure where you are? Yakima?

There are plenty of good carriers. I hear great things about Mutual of Enumclaw as well as USAA. No personal experience, however.

I very much do advocate for an independent agent. It can make a big difference when you need it.