Congratulations! No specific feedback on those companies, but I do try to minimize insurance premiums to things that would be catastrophic. With the money I save on additional policies or lower deductibles, I fund my emergency fund which is there for any bumps along the way. I do think this save money over time, ensures I don’t own things I cannot afford to lose, and prevents any hassles or let-downs when filing claims down the road (I hate dealing with insurance companies).
This podcast episode has a good section on emergency funds as “self-insurance”. Stacking Benjamins and Modern Money Management | All The Hacks Podcast
Cheers and good luck!