Thank you for this post; I am also glad I saw this article.   I just contacted biBerk and the quote I got was half the premium I am paying now and for twice the coverage.  I have been with Fox Point for several years and each year the premium increases which sends me premium shopping.  I've not found anything less than Fox Point until now.   I am curious to know if anyone has researched why biBerk is so much cheaper.  
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