Most insurance companies here have a strange custom of insisting that you buy a policy BEFORE you can read one! After head-banging around with all of them, I bought from F & G (Roe) because they allowed me to read a policy first, and because at the time they were the highest rated in terms ability to pay claims. You should also note carefully that both over-insurance and under-insurance result in pretty severe financial penalties/adjustments if you do have to collect on a claim. You need to accurately insure and be able to verify the amount you have insured for. The adjustors are pros and you don't get away with inflated values.