I just read an article on this forum about biBerk E &O. It is part of Warren Buffet’s Berkshire Hathaway. It was less expensive and much easier to sign up than FoxPoint. Got a call back immediately from an account manager who was so much nicer than the rude woman I was dealing with at FoxPoint. Another plus is that it is paid monthly and a $7.00 savings for automatic payments. I was so glad I saw that article on this forum!