How much really is dependent upon an analysis of your individual risk.
Been looking into a $1m general liability policy to avoid risks with renters, but generally from what I understand is before you can get that much, they want all your other home/auto policies to be up to certain standards which may cost more than you are paying now, but beyond that once the rest of your policies are up to par it can be less than $200 annually to add the $1m policy. Each insurance company may vary, all of my stuff is currently insured with Cincinnati via local independent insurance broker.
I like them, but had the one year renewal and 3 auto policies containing full coverage on my truck, full coverage on the wife's car, and liabilty with underinsured/uninsured motorist coverage on my bike, just went up $192 annually upon renewal - rate hike. Debating on shopping around with other insurance companies, but it seems like this **** is across the board. We left Allstate with all our ****, switched to Cincinnati last year and saved $700 annually for equal or better coverage, so I guess even with a $192 hike, it's still better than it was.
Sent from my SM-G930V using Tapatalk