My wife has been in the insurance world for over 16 years, started before she graduated High School. Her main area for 14 of those years was in home owners insurance and has supported my membership to AMA for the insurance Value alone, we also carry an umbrella Policy I believe it is for 1 million, Her opinion and mine is that 1 million is just not enough in todays world, 58 bucks a year is considered as steal for 2.5 mill. of additional coverage. She now does Risk Managment for a large Engineering firm that design and build Steam and Nuclear Power plants and other projects world wide, you talk about insurance costs, you should see what they spend .