I received a flyer in the mail from Wes Staub Allstate Insurance Agency in Garland, Texas. The flyer was touting the fact that they could get my annual homeowner’s insurance premium down to $529 per year with the replacement cost of my house at $151k. The exact words in very large type were “Your Annual Premium Rate Estimate - $529.27.” There was a disclaimer in tiny, almost unreadable print at the bottom stating this may not be the actual rate. As I am currently paying $852 per year, this sounded too good to be true. I... read full review »