We are a small HOA in a 104 year old 3-flat building in San Francisco and we understand that our options are limited. We've had a master policy with Travelers for years but looking at other options since premiums keep rising. Current broker offered us cheaper policy with Allstate but price seems too good to be true and consumer reviews of the company make us wary. Another broker is offering guaranteed replacement through company called Specialty Programs & Facilities Managers. Sounds good but can't find any info about this company and would appreciate any info or insights from experts about them. Also seeking advice about how to compare policies when not "apples to apples" on coverage. Does UP or any other independent source offer objective help with this? Would love to find an independent advisor or consultant who could help since process feels overwhelming. Thanks very much!

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.