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	Name:	GoneFishin -
	Subject:	Policy Term
	Date:	12/9/2010 11:17:37 AM

It is hard to follow, but auto and homeowners is purchased for one year at time. When a carrier does not renew, they are not renewing you for next year. We assume they provided coverage and paid any covered claims. Thay have no obligation to continue coverage due to good past experience if they feel their is a potential claim waiting to happen. I used to think that my past good experience sort of guaranteed me renewal. I suggest a $1,000 deductible on auto and homeowners to prevent the filling of small claims. Eat the small cliams and don't file a claim unless you are sure it is over the deductible cause it still is a negative mark on your file. It cost money to send out an adjuster and all the paper work involved. So, if you are not going to file small claims then increase your deductible to save money.