When I price checked, I found HUGE differences in the quotes. They went from about $120/yr to $1,200/yr.
I found big name companies had the worst prices for me, but I know others got great deals thru big name companies.
The law (in California) says you can't base ins prices on where they live, yet you can't get a quote without giving a zip code.
They also usually ask if you own or rent your home, home owners take much less risk (according to them).
$3,500/yr is huge, how many quotes did you get?
I went to Pirate insurance, and they sold a policy thru a big name back east.
When I called the big company 4 years ago, they gave me a quote 2X what I was paying for the same policy thru THEM.
In other words, they couldn't even match their own prices
How the hell they can't match their own price is beyond me. She checked into it, but never gave me an answer.
You really got to check around, I priced some 10 companies, the no-names have given me better rates.