A good independent insurance agent (one that's not joined at the hip to a specific company) can be worth his/her weight in gold to a customer with special insurance needs. We've been with the same group for 40-something years, and they shop for the best rates for our homeowners' and vehicle coverage on a regular basis. If one insuror gets outrageous on their price or fails to honor a claim properly, we "vote with our feet" (and our dollars) with the assistance of our local agent to find a better deal. I've been known to donate a big pan of home-smoked pulled pork BBQ to the place on occasion!
Jerry

"It is better to be silent and be thought a fool than to speak and eliminate all doubt!" - Abraham Lincoln
Cringe and wail in fear, Eloi- - - - -we Morlocks are on the hunt!
There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self. - Ernest Hemingway
Love your enemies and drive 'em nuts!