For me, the biggest thing was what was actually included vs. excluded. The cheapest quote I got didn’t cover a lot of water damage scenarios I care about, so it wasn’t actually worth the savings. I eventually went with a slightly pricier policy that covered dwelling, personal property, and a good liability limit, plus bundling saved me some money. A friend who went with the absolute cheapest policy ended up frustrated because their claim took forever and they had gaps in coverage they didn’t realize.
For me, the biggest thing was what was actually included vs. excluded. The cheapest quote I got didn’t cover a lot of water damage scenarios I care about, so it wasn’t actually worth the savings. I eventually went with a slightly pricier policy that covered dwelling, personal property, and a good liability limit, plus bundling saved me some money. A friend who went with the absolute cheapest policy ended up frustrated because their claim took forever and they had gaps in coverage they didn’t realize.