On 7 Sep 2004 11:08:52 -0700, (Lee Carkenord)
wrote:

I am currently paying about $425 for a one year Homeowners Insurance
policy. I just got my renewal notice, and they have increased the
policy cost to about $500, for the same exact coverage.

Therefore, I decided to shop via the Internet for different quotes for
my Homeowners insurance. As expected, the quotes I got were all over
the place, from about $390 all the way to about $650.

However, one quote stood out.........it was for $169. The fees were
itemized, and indeed did add up to $169 for a 1 year policy. The
coverages were what I asked for. So that "lowball" quote was
evidentally not a typo.

OK......so I am suspicious. What could be some logical explanations
for this extremely low quote? Any chance that it is legit? I've not
yet talked with the agent offering this policy. What questions should
I ask this agent? How can I assure that I would be safely covered by
the policy this agent sells?

The agent is Colorado Insurance Sales and Service, located in
Littleton Colorado.......the Insurance company represented is Colorado
Casualty.

Thank you...... Lee Carkenord

Some insurance companies are better than others when you have a claim.
Consumer Reports has an extensive article about buying insurance, what
you need to consider, and the ratings of insurance companies. I'd
stick with a well-known company. Also, a few insurance companies will
give you an initial low premium rate for the first year, then jack it
up when your policy expires. Getting several quotes is a wise idea,
then get a couple new quotes every year after that.