[quote=Coronita]
I think what you are referring to is often overlap and gaps in insurance. Yes, that does happen too. usually with the more rinky dink insurance companies …In my case, cost wasn’t the only factor, it was also the availability of insurance.
[/quote]
Yes those are some of the problems that can happen. Perhaps your risk isn’t as bad if you’re using the same agent for all insurance – s/he can keep an eye out for situations that would leave you exposed.