[AC2717]

Originally Posted by ThePlut

It always pays to shop around, especially if you want to use one vendor. My company for my house and cars, was not competitive for my motorcycle and boat. I haven't yet found a way to combine everything under one agent that saves me any money.

Also, for boats, keep in mind that there are different types of policies, agreed-value, replacement value, yacht, etc.. All have their pro/con and price

As far as agencies, I found that for every recommendation I got, I could find an equivalent horror story so I think personal recommendations really mean very little, but since you asked, I've had very good luck with Nationwide and Progressive so far... I go direct with both, not through an agent (used to use an agent, dunno if I'll do that again).

You can still get a personal umbrella even if you are with different carriers for coverage as long are requirements are met, just makes it easier and sometimes discounts for having everything with one carrier, Usually have to use a agent for this if everything is not in the same carrier. As far as the agents end (being one) it is true there are horror stories everywhere or what people have for their own stories (but much like everything have to hear both sides), and it is a personal preference. Not that I care or have an influence, but when something happens like a claim I like to know that I have another person other than myself that will work with me and with the carrier instead of me vs the carrier.