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Didn't mean to give the impression that the cheapest is best. The coverage I have from the agency mentioned has both the full replacement cost (for the first 5 years, then original cost coverage) and disappearing deductible. That means that each year you renew, the deductible goes down a bit.
I have deep insurance background, too, 30 years. Must agree with Bob, my humble opinions says that some of the most well known companies (and agencies) are often not your best choice.
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