I write minimal of personal lines. I looked at a renters policy I did 10 years ago and back then it was above $100 a year.
Her father used to have his auto / home with Encompass through me. Then the insurance company found out that there was an accident with his one car. The ins. company knew that the daughter was using the car and the garaging location was noted. What got the encompass risk manager involved was that the daughter had a boy friend living with her and during the accident the boyfriend was driving the car. It was the second accident with the car and Encompass said to get her own policy.
The father went shopping, not for her but for his policies and Liberty Mutual came in less....he moved the auto and home. Fine with me. I never liked the situation of the daughter / boyfriend. Now the question is does Liberty know about the driving situation. The father is pushing permitted driver to the limits and when the big claim happens I wouldn't want to be near it.
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