Investigate whomever offers to insure. It may work like this . Companies licensed to insure in your state are part of a Guaranty fund. If they go broke the fund covers you for a claim. Unlicensed companies may be allowed to cover special risks bu if they go broke, no fund to back you up. Agents may say "Oh but they are rated A+" Ask the agent if the agent will cover any claims if the company goes broke. They never say yes.