Can you imagine losing your home to a fire and you find out that your home isn't properly insured? Yes, you have coverage for fire, but your $300,000 home is only insured for $150,000. Many insurance companies with inferior rates will insure your home for less coverage, thus showing an affordable premium. They know that their cost per $1,000 of coverage is higher than their competitors, but lower premiums keep folks happy...until there's a big claim. Eckburg & Bates represents insurance companies that offer the lowest premiums in the industry (based on cost per $1,000 of coverage). You can insure your dwelling properly and not worry about home rates that are out of control. In addition to having appropriate coverage on your home, a good homeowners policy has many other factors that need to be considered.