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 - Upgrading an Oliver Super 55 Electrical System - by Dennis Hawkins. My old Oliver Super 55 has been just sitting and rusting for several years now. I really hate to see a good tractor being treated that way, but not being able to start it without a 30 minute point filing ritual every time contributed to its demise. If it would just start when I turn the key, then I would use it more often. In addition to a bad case of old age, most of the tractor's original electrical system was simply too unreliable to keep. The main focus of this page is to show how I upgr
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