Anyone up for auto insurance rate comparisons?

[borski]

On your recommendation, I did get a quote from Pure. Their vehicle and umbrella coverage was a pretty reasonable increase given their premium service reputation, but our condo was the killer. While the HOA's blanket coverage would handle everything up to the drywall, they amount Pure wanted for interior finish and contents was more than the appraised value of the condo, and that was not counting any increased jewelry and artwork coverage. All in all, it would have been close to double our overall premium. I would have gone for a 1/3 increase, but not that.

It’s definitely one of those “it either makes sense or it doesn’t” things, and there’s rarely an in-between. Owning a home in the Bay Area limits my options for insuring it, solely because many of the “typical” insurers literally will not insure houses above a certain value.

Add fire risk to that, and there simply *is no inexpensive insurance here*. That means that the PURE rates, while higher, are not quite as unreasonable as they might be if I were in a different situation or living somewhere else.