I started to check it out over a month ago, then got waylaid by travel planning, travelling and finally by jet lag. But today we pulled the trigger and switched from Farmers to Amica -- for our homeowners, auto and umbrella insurance. I don't know how Farmers stays in business charging over $1,100 more per year for those combined policies. Yes, I do. It's because idiots like me keep paying year after year and never check to see if there are better deals out there. Inspired by some friends who dropped State Farm for Amica, I finally did the research.We narrowed it down to Amica and AAA. AAA was a few dollars cheaper for identical policies except for one item: Amica's deductible for earthquake coverage is 10% and AAA's is 15%. I figure that the Big One (Cascadia subduction fault) is the most likely event to result in significant damage to the house, so that made the most sense.--fleg
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