@1c531fb6 @f0140f36 When talking cheap consider reputation as well. We used Geico and stayed with them after Superstorm Sandy destruction. Even for them it took 4 months to pay and they have not objected to any of our claims, even increased what we asked for. There were neighbors even year later stuck with total destruction and no resolution with other companies. 

 @c45edd90 @1c531fb6 @f0140f36 this. I think I’m overpaying a bit with USAA but I don’t feel like they will treat me that bad.