<p>My regular insurance agent recommended I get the CSI policy primarily due to claims “counting” against the parent homeowner’s policy. The coverage for accidental damage and the ultra low deductible are great since such coverage may not be available as a rider from all homeowner’s insurers. </p>
<p>Many homeowner’s companies are skittish about renewals after two claims within a several year period. If you get “non-renewed” by a regular insurance company, you are likely to wind-up with a policy from a low quality company with many policy gaps for 2-3 times the price.</p>