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 - A Lifetime of Farm Machinery - by Joe Michaels. I am a mechanical engineer by profession, specializing in powerplant work. I worked as a machinist and engine erector, with time spent overseas. I have always had a love for machinery, and an appreciation for farming and farm machinery. I was born and raised in Brooklyn, New York. Not a place one would associate with farms or farm machinery. I credit my parents for instilling a lot of good values, a respect for learning, a knowledge of various skills and a little knowledge of farming in me, amo
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