@mac47, Lynne .. I have a sad tale to tell! On Friday I had a minor fender bender .. someone backed into me .. no injuries. I KNEW our "Miracle Agent" had JUST sold her insurance agency and retired .. so I called my husband and asked him who ELSE I should call within that agency that would know us. He said to ask for Judy. I did so .. GUESS WHAT?! I was told "I'm sorry .. Judy just retired yesterday!" I couldn't believe it! THIS is what happen as you age! Everyone else ages right along with you! As luck would have it .. the Agency called the "Miracle Agent" .. JoAnn .. she called me and as long time customers and practically friends .. she is going to take care of it! Truthfully for the next few years we will probably continue to call JoAnn just as old friends and continue to ask advice on ALL our different insurance policies .. because she was Independent and could represent MANY different insurance companies in all areas .. homeowners . medical .. auto etc. Very smart and VERY knowledgeable! Loved working with a woman also!

So SORRY Lynne .. I just wish I could give you advice OTHER than .. DO research and find an INDEPENDENT AGENT who represents MANY insurance companies .. THAT is the best thing .. that way they are NOT wedded to ONE company and will do what is BEST for YOU .. NOT that ONE company! Hope that helps a little! Hugs! Katherine