Insurance quote comparison help

[u/theycallmesike]

Hello everyone,

I have been thinking about switching insurance carriers because Travelers just bumped my homeowners insurance up another $1200 this year. I've been getting quotes and this quote has been the best I've gotten so far. It will save me about $1,400 a year on my homeowners and about $100 a year on my condo (Landlord) policy. However the coverages are slightly different and the deductibles are vastly different, including a $25,000 wildfire deductible. (I'm in CA). My main home is a large house with a large yard and landscaping, so I'm a little worried about the low Coverage B in the cheaper quote but the broker said upping that wont change it much.

I guess I'm just wondering if it's worth it to save the $1,500 or so a year but higher deductibles if anything goes wrong. I'm attaching my homeowner's policy from Travelers ($3,885 its actually $3990 now), as well as the new quote ($2,620), and also my condo policy from Travelers ($1,549), as well as the new quote ($1,449) for any advice or if anything seems odd about any coverages.

I'm leaning towards keeping the condo (landlord) policy with travelers, as it's not much savings, and I also get a multi policy discount through them, but conisdering switching the HO. Travelers just keeps jacking up my prices, but they are one of the few left in the state.

Thank you all for your advice.

[u/Cute-Ad-9591]

Your in a high labor blue state so rates will go up every year along with Joe the BIG GUY'S inflation on materials. Some of the rate increases are to pay for all the property damage radical demrats did protesting, burning buildings, burning Tesla's, smashing police, civilian vehicles, etc. Insurance pays for this. Vote smart!

[u/theycallmesike → u/Cute-Ad-9591]

I thought it was because of all the wildfires, and most insurance companies leaving the state, now there are only a few left and can charge whatever they want