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How much insurance should a person carry for liability? Property damage is pretty much set by replacement cost calculators and different things, so those really can’t be moved around too much. Liability is an entirely different situation however.
Insurance policies are legal contracts that you are agreeing to follow in exchange for an insurance company taking on risk on your behalf. So what is expected of you, the consumer?
Am I getting a good deal? Could I find a better deal? These are important pieces of the equation, but certainly NOT what should determine your acceptance or rejection of a quote.