I stay confused most of the time on insurance, I have Farmers and am actually pretty happy with them. During the big Ice storm 3 years ago a big limb fell on my wifes car in the driveway and totaled it, Farmers said tough, it wasn't covered by my homeowners and since I only had liability I didn't get anything. I checked my policy and it said that even if the car had been in the garage and the limb had come thru the roof it would not have been covered. Cost me 14,000+ to learn that lesson.