Extended Insurance vs Individual Policy's.

[Jason R.]

Question for anyone who's used Amica to write policy's on more than one property.
Our current setup, has unique policys on each SFH.

I'm toying with moving to one main policy from Amica, with each SFH as a extended policy on it.

Cost savings, is over $800 per property if I go the Amica route.
However they only cover structure on these policy's.

Here in Florida, having gone thru last year.
My main concern is converge for wind / hail / storm damage.
I think a basic umbrella for personal / extending it to the property's would be adequate.

Anyone else consolidated under one main policy and then actually had to DEAL with a claim?
Did you find any pro's / con's at that point?