1. 180 POINTS
    njinsuranceguy
    Salem NJ
    This question could be answered in a variety of ways.  But the best insurance would be a program that you and your independent agent customized to your needs. Ideally, in my honest opinion you would want a mutual company as your carrier, as mutual insurer has no stockholders, the policyholder is actually the owner. So a mutual company puts its policyholders and reputation ahead of profits. If you can choose one with a good AM Best rating.
    Answered on October 12, 2013
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