We have a great insurance broker, his people are always casting about for the lowest prices and watching over our many business ventures. We went through two other brokers before we found this one, so it pays to shop around. We have had occasion to make a claim on our Short Term Insurance policies from time to time both for our personal home and for our rental properties. It is my personal and through experience opinion that the insurance industry takes every bit of payment from the buyer and then when the time comes to pay up, they squeeze every last item to pay the buyer of the insurance the lowest amount possible. You have to be covered by insurance if you have a mortgage on your house or not having it is grounds for your mortgage to be recalled. We have income property that we are seriously thinking of not paying the insurance premium on because the monthly payments are too steep and if the worst does occur, their help is not that great. My last note is that it is my belief and many others that I have talked with that the insurance business in the United States needs a complete overhaul to meet the needs of the buyers of the insurance policies.