Pick up the phone and dial your trusted insurance agent to take good care of you. That was easy, wasn't it! Will this save you every last nickel? No, but it will be competitive and you will get coverage that your personal situation requires.
Notice how I stated "trusted" insurance agent. If you do not have someone you can turn to when your home is on fire or you have just had a traffic accident, get a referral to another agent. Saving money is one thing, but piece of mind counts for something, doesn't it?
As a Realtor, I had one occasion to receive a call from a past client while their home was on fire. Upon arrival, this Framingham home was under control, the family was safe, but the industry was descending upon the homeowners quickly. Adjusters, contractors, lawyers, et al. I learned at that moment