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I use an insurance broker. They shop my policies annually (home, auto and umbrella). For many years consecutively, Cincinnati insurance company has come back the best value for prices and coverage. Aside from the rest of their coverage, their glass coverage is great too. When getting windshield replaced (have had many in past few years) they work with my shop that does the film to have it covered first before replacing with no extra hassle or out of pocket. Just a nice little touch on top of the value.
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