You want a great insurance carrier? Here's what we use, and after much careful shopping, no one can even TOUCH these rates/coverages. Call Pat(ricia) at Potter & Roose Ins.. 810-767-8590. She hooked us up through Allied Ins. This is funny, because we (her and I) were just talking about this Wednesday. I had just asked her if she is able to cover people from out of town. She said absolutely, no problem. By the way,they also carry comm. vehicle insurance, as well (that would be Sheila). Just please tell her (them) that Joe from Ground Control sent you.