Call Emily, she'll help you with that. i think she did 50 or so of my transactions last year:
Emily Walsh Sherman
I would get several other competitive bids for the same coverage with different carriers. If you are over 50 i would check with AARP (they are insured by The Hartford) and they insurance permiums are very competitive.
On another note, something that may help premiums for customers this winter is recently, the Texas State Legislature passed a law restricting insurersâ€™ ability to surcharge for claims. The law states that, "An insurer may assess a premium surcharge at the time an insurance policy is renewed if the insured has filed two or more claims in the preceding three policy years." This means that insurance companies can no longer apply a claim surcharge for the first loss on a property policy. This is great news! This means that some insureds, will be getting a decrease in their premiums if they only have one property claim. Hope this helps