My insurance broker who handles my homeowners insurance emailed me last week, saying that there is a new company they're dealing with who offers significantly lower rates, and if I wanted a quote I could get one after sending photos of both the front and back of my house.
So today I heard back from the broker, who said, "Your house is so cute! REALLY CUTE!!" And that I could get a quote if I scraped and painted all the "exposed wood" on the house (it's stained), if I scraped and painted the garage to match the house (it's a falling-down garage that isn't worth even a quart of paint), and if I cut back all the "shrubbery" to allow easy access to the house (the "shrubbery" is a clematis, a rhododendron and a climbing rose that have been painstakingly trained to frame my front steps and front porch and in no way prohibit access to anything.)
Bottom line: shell out $3k+ and we'll cut your homeowner's policy by $20 a month.
Gee. What a deal.
What a scam. I wouldn't put it past them to supply me with a list of "suggested contractors" who'll do the job at bargain prices.
Looks like I'm staying with my current company.