Can your recommend someone that can help me evaluate two polices? My current policy (Amica) looks like its $2,500 more/year than AARP Hartford. I've compared all major issues (see below):. I want to know if: (a) I'm overlooking something and (b) might there be a good reason to remain with Amica e.g. they haven't raised rates dramatically, but Hartford might or customer service experience or credit rating etc. Thanks in advance. Dwelling Limits Deduction for Depreciation Other Structures (Deck) Personal Property Replacement Cap Loss of Use Premises Liability Medical Payments to Others Personal Jewelry Loss Payment of Itemized Articles Security System Impact Dwelling Contract Type Deductible Waiver of Deductible Debris Removal Building Code Standards Dwelling Replacement Cost Cap Replacement Cost Cash Out Covers Back up of Sewers and Drains Blanket Coverage of Valuable Articles Earthquake deductible Earthquake Personal Property Earthquake Loss of Use Single Limit Amount

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.