[LWJ]

So I make my living selling insurance to businesses. You might think I had a good answer to this.

I don't.

I will say that my personal lines coverage is with Cincinnati. I consider them to be the best service / coverage / cost for me at this time. Claims service with Cincinnati is outstanding.

It is my opinion, that personal lines carriers increase premiums year over year and need to be pushed or shopped to combat that rate creep.

I work at a brokerage and we have many carriers - so we are able to play company A vs company B. I think this is a good strategy. But, I would also try a captive agent if you hear good things about them. Historically, State Farm was excellent. That may have slipped in the last few decades. I have also heard good reviews for USAA.

Summary: put some leg work in and see what happens.

A caution: Don't slash coverage in the pursuit of lower premium. You have something to lose with lower levels of coverage. Also, some carriers really do have poor claims advocacy.