With my home insurance ending (the company is leaving California) my broker got me another insurance and I'll also need to move my car insurance to get a better discount. Here's the new info:

CONDOMINIUM                   National General (old)        Safeco (new)

Dwelling                      $481,348                      $485,000
Personal Property             $137,528                      $140,000
Loss of Use                   $137,528                      Reasonable Expense/24 Months Max.
Personal Liability            $500,000                      $500,000
Medical Payments                $5,000                        $5,000
Loss Assessment                 $1,000                       $51,000
Identity Fraud Expense         $25,000                       $25,000
Dwelling Coverage             Actual Cash Value             Actual Cash Value
Personal Property Coverage    Replacement Cost              Replacement Cost
Flood Coverage                Available But Not Included    Available But Not Quoted
Back up of Sewer Drain        $137,528                        $5,000*
Ordinance/Law                  $13,753                       $14,000

Deductible                      $1,000                        $1,000

Annual Premium                  $1,719                        $2,926

*Higher coverage limits are available

--> Coverage fairly equivalent. 70% price increase seems a lot but it's only
    $100 a month more so seems fine to me.


EARTHQUAKE                   National General (old)   CA Earthquake Authority     Palomar (new)

Dwelling                      $481,348                $100,000                    $480,000
Personal Property               $5,000                 $15,000                    $140,000
Loss of Use                     $1,500                $100,000                    $100,000
Loss Assessment               Not Included             $50,000                     $50,000

Deductible                    15% ($72,952)           15% ($26,250)               15% ($100,500)

Annual Premium                  $2,017                  $1,406                      $1,960

--> Earthquake insurance has high deductible but it's there for catastrophic
    damage. I can afford $100k if I need to  but not $480k. I'm guessing
    Personal Property and Loss of Use is set really high so that the
    deductible is greater.


AUTOMOBILE                              National General (old)        Safeco (new)

LIABILITY
Bodily Injury & Property Damage         $500,000                      $500,000
  Per Incident Maximum

UNINSURED MOTORIST                      $500,000                      $500,000
Bodily Injury Per Incident Maxiumum

Medical Payments                          $5,000                        $5,000
Comprehensive Deductible                  $1,000                        $1,000
Glass Repair/Replacement Deductible           $0                            $0
Collision Deductible                      $1,000                      $100,000
Rental Reimbursement                    $50 per day/$1,500 max.       $50 per day/$1,500 max.
Roadside Assistance                         $100                      Included

2007 Toyota Camry                         15,000 annual miles         2,756 annual miles

Annual Premium                             $1300*                     $1,202

*Actual premium 'doubled' to represent an annual rate.

--> New insurance collision deductible is really high but I'm ok with it
    since insurance is there to cover catastrophic damage. And I guess if
    I get into a $1M accident I'm still paying $500k no matter what the
    deductible is.


PERSONAl EXCESS                 National General (old)        Safeco (new)

Excess Liability                $1,000,000                    $1,000,000**
Excess Uninsured Motorist       $1,000,000                    $1,000,000

Annual Premium                        $267                          $357

**Higher Liability limits are available

--> I'm not sure what this is. Seems like extra insurance but then why not
    include it in the base insurance, since it's the same company?


POLICY DESCRIPTION              National General    Safeco & CA Earthquake    Safeco & Palomar
                                                             Authority

Condominium                     $1,719              $2,926                    $2,926
Earthquake                      $2,017              $1,406                    $1,960
Automobile                      $1,300              $1,202                    $1,202
Personal Umbrella                 $267                $357                      $357

TOTAL ESTIMATED ANNUAL PREMIUM  $5,303              $5,891                    $6,445

--> I guess in the end home/car insurance is going up 21.5%