I haven't switched from my FEMA policy yet, but I'll pm you two agents neighbors have recommended (it wont let me post contacts here).

Go through your agent and save yourself the stress of getting yourself into a situation you wont know how to handle.

Many people on BP suffer from ED--educational deficiency.

You wont be making a lot initially, but your opportunity to save your money and not waste it like all the other privates on hookers, booze and tattoos will set you on the right path. 2. 

If they bought high and couldn't hold on then I'm sure they suffered. 

I am a very information oriented person and as a result tend to suffer from 'analysis paralysis' with many things.

Lending is still suffering from the post-crash knee-jerk.

If the borrower turned to their 401k and withdrew money and still was foreclosed they suffered a pretty severe financial outcome.  

I wont go into too much gloom and doom.

Seasonality with a dwelling in a summer and beach environment or a locale where freezing Canadians travel over the winter to relax in a whirlpool, strawberry daiquiri in hand, will suffer hard in the 6 month off season.