A lot of the difference has to do with what state you live in. I know in NC the insurance commissioner has added a bunch of mandatory policy minimums on insurance. I know it affects my homeowner’s policy and most likely auto, bike too. For instance jewelry and firearms, normally without an extra policy adds on it is limited to 2500.00 per loss, here it is 10,000. They just increase the rate instead of writing an add on. It’s all BS, any way to separate you from your money.
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