Talk to your local agent since you have plenty of options but most importantly make sure you are covered for the ones you think you have. A few years ago a had a gentleman who told me he was paying $450 a yr and I quoted him about $650 well covered. I mentioned to him to send me his declaration pages and it showed he didn’t have family liability insurance. If something happens and someone sue you then you have no coverage. For all of you reading this, the majority of regular homeowners insurance policies covers automatically liability but let’s keep in mind that there are carriers that don’t have that. Talk to your local agent.
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