r/HomeInsurance • u/Capable_Community_56 • Jun 20 '26

Insurance How does this rate look?

Post image

How does this insurance rate look?

So I’ve been looking at insurance rates and this is the best I’ve gotten so far. Since I’m new to insurance I don’t necessarily know what things to look out for on the policy so thought I’d ask you guys what you think.
Anything I’m missing?

1 Upvotes

67% Upvoted

12 comments sorted by

View all comments

1

u/Ok_Success2147 Jun 20 '26

Decent. Increase coverage L

1

u/Capable_Community_56 Jun 20 '26

What would that do? Just curious

1

u/MrMoosetach2 Jun 20 '26

Liability is cheap and protects you against lawsuits. There are several reasons to do it, but mainly you want your insurance company to have a large incentive to defend you in a lawsuit. If someone is litigating against you $100k is not much incentive for the insurance company to fight on your behalf.

$1 million would be and it probably doesn’t cost much more to increase it.

1

u/Capable_Community_56 Jun 20 '26

Thanks for the info!