Your vehicle/home insurance
Currently with Cincinnati (local, independent rep) and have been for a while & very happy with them, but Travelers would save a good chunk per year.
I just changed my umbrella policy from 1 million to 2 million dollars. It was about $50 more from state farm. If you do not know what an umbrella policy is, you should check with your agent.
Even some of these big companies have responsible, responsive, and hard working agents. Most smaller companies steer clear of the Mountain communities because of the Fire Dangers that exist.