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

I just did a little "googling" on Colorado Casualty Insurance. They
sound legit -- one of the Liberty Mutual Group's regional property and
casualty company's.

I think one of the important things to check out is an insurance
company's financial ratings from A.M. Best, Moody's, and Weiss.

Here's a page that includes info, including financial stability ratings,
on Liberty Mutual. Colorado Casualty is mentioned as one of Liberty's
regionals.

http://www.usinsurancezone.com/insurance-companies.php