I hear a lot of people saying costco isn't worth it. I have to save if you have a membership to costco have you checked out and priced compared at least the home, auto, and umbrella against what you currently have? Before giving up your costco membership or deciding against buying a membership I would definitely call and price out their insurance if it's available in the state you're in. I'm curious others save money.

We've had 3 auto accidents (my DH all of them) and the customer service has been fantastic. We've had 3 home water damage claims and the service again has been phenomenal. I recently claimed a windshield chip and they repaired it without a complaint immediately. When doing the repairs on our cars they got on it asap. My BIL totalled his car and he got paid out way more than he expected. Besides the follow up, call back, just the customer service overall is amazing.

Anyway I'm a huge fan of costco and even if we didn't live super close I'd still be a member. Previously we weren't that close to costco but I kept my membership for insurance. Now that it's one of our two main shopping stops.

Also if it matters they treat their employees great. They pay them a living wage and treat them very nicely. My cousin worked for costco corporate and the benefits are great and they worked and let her transfer stores. In hawaii most people stay employed over 20 years. So you are into supporting companies that care Costco is one I'm happy to spend my dollars supporting. And their return policy is amazing.