Insurance Renewal - should I wait?

You do not as in never have to wait for your renewal date to shop or
change your carrier, in fact if you switch any premium you paid will be
returned to you

Is my Rolex covered for theft and my Tiffany Lamp?

Well the truth is that most home insurance polcies limit the amount of
what you can receive, let's just say it's 1500 dollars.  Is that emough?
NO of course not any jewelry,fine art or colelctable SHOULD be covered
under a Personal Articles Floater (PAF) to insure full repalcement value
if stolen from your home. Maybe you do not have a Rolex@ or Tiffany @
(trademarks) but you may have something worh over 1500 dollars and need
a PAF.

Car Insurance Liability and Umbrella's

Do you know you can maintain a 100/300 auto liability and get an
umbrella worth 1,000,000 in coverage? What's the advantage? lowers your
car insurance and increases your liability coverage. use this
combination, ask me to quote and save some money!

Citizens Take Out

Yes you can take the Citizens "take out" option and not face up to 45% surcharge, if the premiums go up with the take out company you can always change back to Citizens