<p>House built 1895. Insurance not a problem. Given the shoddy construction of some newer homes, I’d argue they should pay a premium. Insured by a small company named Hanover. We do bundle our home and auto, which saves a bit, plus we have an umbrella policy that covers us for excess liability. Highly recommended. In general, minimum coverage eats up most of the premium, and adding more coverage is relatively inexpensive. In other words, raising your converge from $1 million to $2 million cost much less than the initial million. Don’t stint on added coverage–not that expensive–and get more than you think you need. </p>
<p>“Umbrella Coverage for Preventing Your Ruin”</p>
<p><a href=“Umbrella Coverage for Preventing Your Ruin - The New York Times”>Umbrella Coverage for Preventing Your Ruin - The New York Times;