TexasCHLforum.com

Have Farm Bureau for the house and equipment at the ranch, Armed Forces for the house in town, and USAA for the vehicles. All have gone up, and when you look at the tax assessments and comparable real estate sales for the value to replace a home or vehicle, everything is going up---AND remember, inflation of 8+%. It does pay to shop around but look for issues with coverage. What I like about Farm Bureau is their personal firearms coverage--unless you have a single extremely rare/expensive firearm, they do not require any enumeration and the coverage is for whatever your total possessions coverage is (usually 50% of the coverage for the house). Armed Forces USED to be that way but have changed to only cover firearms up to a TOTAL of $1,500 unless you take out a special rider (at additional cost).