So somewhere in my travels to and from a new client one of my tires acquired a nail without my permission.  Now the tire needed replacing and there were children to pick up and another meeting to get to so my hand was forced.  There was a wonderful transaction with a very easy to deal with local merchant and 55 minutes later I had four new tires.  Could have done just the one but another needed replacing and the other two were not far behind.

So rather than getting the one tire fixed I new soon enough the other three would need it and decided it was best to look at them all and get it done all at once.  Same rule applies to your insurance.  You have multiple policies that need reviewing.  It is much more efficient to have your broker/agent do it all at once.  There will not always be a savings however looking at all four at once gives you a better chance.  Looking at all four, or more just going on the tire theme,  also may allow you to include more companies which creates a potentially better buying process.  Not to mention a whole in one policy could negate the work you did on the other four so fixing the one you least suspect could pay huge down the road.