This article is good informationn to read.The Key to the story is having an agent that can shop to many companies for you and trust the information given. There are so many people who sell  poliices just to get a low premium for a customer to switch to them. You have to ask yourself why is this cheaper than the other agents quote? Perhaps they did not give me coverage’s I really need? Please be sure todo your homework and rest assured the The HomeInsurance Guru who is the owner of L & S Insurance & Financial Services, Inc. of Soth Florida will do that for you. If you have a quote that is better than what my office can get  for you, we will advise you to take it and why. We are very confident that we will be able to meet or beat 95% of what we are given to handle. Thanks for following me and please read the info on  Buying Home Insurance;