My insurance agent talked me into buying this really high "Limits of
Liability". $100,000 each person / $300,000 each accident. She said I
need to buy this high because I have a house. So just in case a bad
accident happens, I will have enough coverage that not putting the
house into jeapody.

Is that a sales pitch? well, of course a higher coverage is better for
sure. But that comes with cost too! How about other homeowner? do you
folks also have a high coverage because owning a house?

thanks