Ask your agent about renters' insurance. Contents, yes. Liability will depend on the company.
Our homeowner's is only 17% of that, probably for more insurance because I bumped it up to better cover outbuildings.
When we first got homeowners', I was refused by several companies. Turns out the problem was no heating system (we don't need one). When I asked what the problem was, they worry about frozen pipe water damage. I asked if they could exclude that. Nope, it's a full umbrella or nothing.
With an all concrete/steel house (dirt roof), the agent asked why I wanted fire insurance. I didn't. To them, homeowners' was fire insurance. To me, it was everything else.
Good luck changing their fixed program to fit your needs. I hope you're only insuring your house, not your ground. Automatic coverage increases sometimes are incorrect.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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