For those who are aware of and want the special services of independent insurance agents this firm is highly recommended. A rat climbed into my car's engine last winter when parked at a hotel near Washington. After building a nest it dined on the insulation of various wires resulting in $830 of damages. Wierd as it was Bluhm's delivered a check less the $100. deductable for comprehensive damage in days. In handling the insuring of two cars with only one driver they achieved some economy but it is the service that counts. A good agent brings you good carriers. A previous carrier did not renew after a cliam for lightning damage and a ticket. The Bluhm's would have handled that and not left me on my own. They were recommended and I recommend them.