When you first buy, you need to go in and talk to the agent. You need to do some research before you go in. Read up a bit on umbrella coverage, packaging coverage, uninsured auto coverage, and deductibles. When you go in, don’t let them know what you know. See how they describe coverages and make recommendations. Ask about their claims handling.
I have had good luck experience talking to State Farm claims people. But I tray to offset their losses. When the power surge blew out several items, after checking with them, I replaced my garage door opener. They gave me a break on other items.
YOU BUY/INSTALL A FULL HOUSE POWER SURGE PROTECTOR FOR A FAIRLY LOW COST. TRULY A GOOD INVESTMENT-—COURTESY OF MY MAGTAG DEALER-——
SINCE EVERY APPLIANCE TODAY IS ELECTRONIC-—IT IS WORTH IT.
WHEN WE HAVE POWER OUTAGES HERE IN N NEVADA HIGH DESERT-—I SHUT OFF THE CIRCUITS TO THE REFRIG & FREEZERS.
IF THE POWER COMES ON AT REDUCED LEVEL, IT CAN BURN OUT THOSE APPLIANCES.