Insurance
I dont know, i got farmers and i love them (i got a few contractor buddies to and they love em because they dont mind covering stuff)
over the last 7 years or so, they put a new roof on my house (somewhere in the 20K range) they fixed a water issue from an overflowing bathtub, that was flooring on 2 levels of the house, as well as some drywall work, just shy of 40K, they my buddies fence i plowed through (dont ask) at 17K, they forked out around 8K to fix a sewer line that broke (actually was less then that, but they let me pocket the change) and they bought my wife a new car at 8K
the new car was the only one where they needed some guidance in what it was worth, their original comps were in the 4K range, but after i explained to them i needed an AWD charger, not just a 2 squealer they came around
yeah, im just shy of 100K, i aint complaining one bit