LoL...o/k, so lets do that then and be really really accurate. It is in fact the cheapest PRIMARY insurance bill some will get because it is the ONLY coverage that some people will have. Not everyone carriers liability coverage.

As for it being SECONDARY coverage, it is still priced significantly lower than any similar excess product out there. Not sure about that, call and agent and ask they to quote a similar product with similar coverage. Put that next to the annual dues we pay. In light of the need to be accurate, calculate the amount of the dues that goes to the coverage we get. It's even more cost effective. But hey, use the fill dues when considering it as the premium, it's still hundreds less that the cost of a policy.