In article , scott_z500
@my-deja.com says...
How were you able to get homeowners insurance for only $200/year?

There is a misunderstanding: the umbrella on top of the existing
homeowners / auto would come to $200 per year. Actually, the
homeowners' plus the auto insurance together are about $1400 / year
(Howard County, MD). The umbrella policy would be about $270 but comes
with a 5% discount on the other policies, so the net increase in cost
would be ~$200.

My auto policy has been the typical 100/300/100, so things that worry me
a

1. My wife and I cause an accident with damages/liablity greater than
the coverages listed above.
2. Un/under-insured motorist causes us damages in excess of the $100k
shown above.

I'm also generally worried about other things that might happen around
the house that would come with liability greater than I carry on the
house, which was another reason for wanting a $1M "all perils" kind of
liability coverage. Unfortunately, the umbrella policies I've seen so
far seem to be very leaky.

Marc