This year is really starting off in the wrong direction. Got letter from the state siting my liability insurance is about to expire and I need to renew like now. Phoned my insurance agent and his number is disconnected. Drive to his office and its gone.. Called the company that my insurance is through and they had to find me a new agent. New agent tells me they can't renew my policy because they haven't did an inspection and couldn't get it done in time. Current company Essex Insurance. Agent wants me to go with Penn Star Ins. They want $791 plus $100 to do an inspection. The policy would be $300,000 per occurance and $600,000 aggregate (or total) per year. Now from viewing the forums I now Erie Ins is really good but not available in MO. Do any of you have to pay for an inspection? Who are you finding to insure you and what are you paying. Thanks.