[Nords]

We maxed out our auto policy with UM/UIM and liability/property damage. If you go with different companies for auto & umbrella liability, the additional auto coverage with the auto insurer is usually cheaper than the equivalent umbrella policy from the liability insurer. Besides, operating an auto is the most liability-invoking thing I do these days.

For those of you with good healthcare, we still carry a heavy load of UM/UIM for our kid's benefit. If she ends up with an injury requiring lifetime care and we can't recover assets via a civil/criminal suit, our TRICARE won't cover it after she's no longer our dependent.

Every year or so-- when I have plenty of time and a high pain threshold-- I compare rates among USAA, Armed Forces Insurance Exchange, & GEICO (with our Berkshire Hathaway discount). AFIE is still winning the "race" although their premiums have jumped from Florida's hurricane summer. But it's amazing how complicated the various offerings become among limits, deductibles, discounts, "rebates", and other gimmicks. Even with a spreadsheet it's hard to summarize the results, and the difference is usually less than 1%. OTOH we've realized that we can self-insure for much of it-- we've raised our hurricane deductibles to about $15K and our other deductibles to $5K. And we don't carry any auto collision/theft insurance.

If we ever buy more rental property, we're going to have to take a good hard look at landlord's liability insurance and LLCs. Thanks for pointing that out, Martha.