Try a little searching in these forums. That question comes faster than a politician's promises. AMA is more than 8 times your $300,000. I have a neighbor that just recently underwent severe medical expenses to the tune of 2,000,000+ yankee dollars. If you create such a liability, you won't have the homeowners long, if for no other reason that you won't even have the house. Now, if you can't figure it all out, then maybe you don't need AMA insurance.