I have a friend in the Poway are a and they suggested that AAA was the most competitive for their home. Farmers Allstate and AAA were all generally on the higher side. That may have changed. They all becomne more reasonable when you combine AUTO HOMe and throw in a life policy.
The other company you may want to contact is Liberty Mutual or AMICA.
One thing I would be careful of is focusing too much on premium. No sense paying for anything if it leaves you exposed to risk. That being said make sure you have a replacement cost policy as opposed to Actual cost value. If you are already looking at insurance take the time to see if it makes sense to with the Auto’s. I personally use Wawanesa for this and have found them very competitive. Also make sure that you do not need any riders to your policy. IE Gun Collection. baseball card collection. Expensive rugs, wedding ring.
