Regardless who you choose, ask for the "Exclusionary" terms/policy. It may cost a little more, but it's better than them saying, "It was raining and we don't cover that." Also check to see what the lowest/lower deductibles cost. It may only be a few dollars more for less than the $100. Just ask for pricing. Many companies will give you a quote that is good for 30 days, so you can shop around for better pricing. Just ask questions, get answers, and then you have to make a decision
Good hunting.
Oh! Let me know in a PM what you end up with because in August my 1 year runs out.
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