Dee Ann, .... There are others, quick guess is that one probably sees 6 to 8 regulars advertising in the trade jounals many of us get each quarter. Get your hands on Real Estate Valuation Magazine, or Valuation Insights..., or Working R.E., or the Communicator. You'll find them all in these. Yes, I had Hobbs, for one year with expiration and needed renewal in early July. As I was informed.....They lost their underwriting support with Lloyd's of London and were carried then by a new source who made an across-the-board premium hike of 33% on all polices. So, I was faced with 33% jump with my renewal. Calling them was a real chore. As I was informed.....they are a 2-person office there in Chicago. As for service, how does one ever truly gauge service ? ...unless one gets tossed into the frying pan....and then needs their help. I switched to LIA in Santa Barbara. They seem to earn their reputation far better than Hobbs did. Pres. of LIA and a prime legal rep who works with them came out to our city about 2 years ago and spoke to our assoc. of appraisers about what things appraisers do that trigger claims and some tips on how to prevent cliams by simple common-sense ways to put proper wording in report fields and addenda. At their website they also post these similar tips to "stay out of the soup". Hobbs had neither of these benefits to offer. Basically, for the cost of 1 and 1/2 2055's fees per year you get some protection, and like the gym teacher taught us in high school.....it's always important to carry protection. --- Maybe a Hobbs rep is monitoring the Forum and will correct some of my comments.