Gerry, Your HO deductible doesn't apply to liability coverage. As an insurance agent, $58 is pretty inexpensive for anything these days. It's less than most people at my field pay for a single servo or a couple gallons of heli-fuel. I know some balk at the price and do not see the value but I'm not among them. I for one will morn the passing to internet only of the AMA magazine. The insurance will likely never pay for me but you can never have enough liability coverage these days......