The property & casualty insurance market is often characterized by tough competition on pricing. Firms regularly compete for business based on projected savings to the insured. Put yourself back in the role of a financial planner. Assume you are working with the same client from the previous discussion around Life Insurance;, the individual with a solid investment portfolio, a great income, and a seemingly overall perfect financial picture. This client is also very fee-sensitive, and is seeking your guidance on whether to switch property & casualty insurance carriers to save a projected $800 per year. What considerations would you advise your client to be mindful of?