My homeowners insurance has been going up and up ever since I bought my house 5 years ago. I have been searching for a better deal and finally went to my credit union to see what they could do. The agent has found a combined auto and homeowners deal that will save me about $240 a year.

I have lots of questions for her -

Equal coverage?
Home inspection?
How payments work?

My biggest question right now is that I am not a spring chicken any more. As I get older I will want to be able to continue to get insurance without paying sky high prices and without being afraid that I will be dropped for some arbitrary reason.

I'm hope there are some posters here who can add their insight before I make a decision.