[Cross Eyed Cowboy]

I agree you have to shop around and compare pricing, just so long as the comparison is apples to apples.

Everyone has a different risk level they are comfortable with, the more risk you are willing to absorb the cheaper a policy will be, generally.

What most folks fail to investigate in their insurance polilcies are the actual terms and conditions that the insurance company will adhere to in the event of a claim. Those terms and conditions should be understood before purchasing the policy.

What may seem like a cheap policy up front could be a disaster if/when a claim is filed.

Many of my co-workers lost their entire home and belongings in the Fort McMurray fire a fews back, they soon found out how good their policies actually where when it came time to rebuild. Some faired a lot better than others, those that came out better generally knew exactly the details of their coverage at the time of purchase. Those that didn't fair so well soon realized that they hadn't understood the actual terms of the insurance policy they held, a few of them required a second mortgage to complete the rebuild.

In summary its wise to fully understand the terms/conditions of the policy you purchase. Not only compare pricing but compare terms and conditions.