Insurance Dilema

When we moved in the summer we bought a fantastic new house, when we went to get insurance we found out that our current insurance company couldn't service us in our new province. This was disappointing for us as we had spent the last few years building a good relationship with that company and now we would have to venture out and start all over again. I certainly discovered one thing, you have to shop around for insurance and know what you are getting for your money. We had conversations with a half dozen companies and the quotes we recieved varied wildly from one to the next. Some wanted money down some were satisfied with monthly payements and the coverage was different with almost all of them. After a lot of searching we decided on one company and they came out to our home and did an inspection and gave us a list of upgrades we had to have done to the house to keep our insurance policy. This brought another set of circumstances where we had 3 different companies come to the house and advise what it would cost to get the upgrades done, what an eye opener here, the quotes were from a low of 150 to a high of 1200, of course we went with the 150 guy and the work was completed and the insurance company reviewed and were satisfied with the results so why pay the 1200? We had similar events when it came to our Car Insurance and eventually agreed to use the same company as our home policy allowing us to take advantage of combining the policies and saving more money overall. It was an extreamly eye opening experience for sure and makes you realize you really need to shop around to be sure you are getting the best value and coverage for your money