[OAG]

Not heard anything bad about Travelers. If you can afford the $5,000 deductible I would go with it. I look at home insurance as covering the catastrophe, not the little stuff which I would handle myself (broken window, fallen tree that does minor damage, etc.,). I carried a $8K deductible in Florida and the way I figured was if the house was wiped by a Hurricane I would probably move anyways (take the insurance payout and sell what was left) since I am sure my neighbors would have been wiped and the infrastructure would have been very badly impacted. Also remember do not insure LAND (when you say $289 does it include Land?). If you are insuring land you can safely reduce your coverage, and the premium, somewhat.