Earlier this year I did some shopping for new insurance due to Progressive scre...er... not being so kind to me. If you can, I found USAA to be the cheapest when you compare like policies though USAA throws in a few more than others. Plus, they do not do depreciation. They cover the actual cost of replacement, something Progressive did not (Gave me just over $2500.00 to replace my roof, gutters and a heavy-duty metal patio cover. Roof alone was over 11,000!).