[Joe Wicked]

That is a bunch of BS there. I don't know who your agent is, but I would think that they should be fighting this for you. If not, then I would definitely move on. I went with Allstate because I was tired of Progressive for my auto as they would not fight for me when my wife got hit. My Allstate Agent is also a member of our local sometimes good/sometimes bad Mustang site. She was willing to answer questions for me about home owners policies before I switched, and even took the time to drive out from south of Ft Worth to North Dallas to go over things with us on a Sunday. I felt that she would fight for me if I ever need it, so I went with them. The State Farm Quote was a little bit lower ($75/year) for home and the same for auto, but the agent acted like he didn't have time for me.

Edit: If I had a tank like that, I would have the coverage as well.