To avoid confusion and lighten the amount of paperwork there should be a limit to how many times per month/year the plan can be changed.
Solution: Insurance Agility Create a solution to change policies as needed (daily, weekly, monthly). Increase coverage for road trips, decrease it when working from home. Add during storm season, reduce it other months. Increase on days using boats & motorcycles, then decrease.
Problem: Price or Quality? I'm tempted to choose the cheapest provider, regardless of their coverage/service. How can I get the best of both worlds, price and quality?