BTW - Thanks for both of your responses.

I'm bummed because my rates went way up and I didn't even cause an earthuake. ;-)

Who's a better carrier? I presently have Clarendon. My experience with auto claims, however, is that they are awful with claims. There, however, it was a matter of liability.

Is there someone to stay away from?

The point regarding the simple economics of it is well taken. It's a small investment to protect your most important asset.

Thanks -

Tony