Who do you use for insurance?
After having my YJ stolen a few years ago and just recently sinking 5k into my XJ, I was wondering who you use. Geico says they won't cover my winch -- the single most expensive item on the Jeep. They then asked if I do any off-roading and if so, how often. I'm not getting a very good feeling about this. I really don't give a **** about off-road damage (worst I've ever done is crack a tail lens on my YJ and I'll fix my own trail boo-boos) but I want everything on it covered in the event of theft or an on-road accident (although I have a 17 year clean record because I'm a damn good defensive driver). I've already been a victim of theft and we all know the Puget Sound is in the top 5 worst places in the country for that.
So, who do you use and why? I just want good coverage that doesn't break the bank, and something that also includes renter's insurance would be nice, too. I figured there'd be some more widely definitive opinions from the PNW crowd than if I asked in general discussion, where I'd get 14 different polarizing answers.