Homeowner insurance from the cheapest carrier is a BIG gamble, in my 30
years of homeowner insurance experience. It has paid everytime to not have
a hassle with the carrier.

Ok, I'm a little confused now... How many claims have you had to MAKE
in 30 years? It's my hope to go through my entire life without ever having to
make a claim on my house insurance..

--Goedjn