Thanks to everyone for informative responses. I think I might take Spoons up on his advice to consult a broker. Especially since I have a few other questions I would like to ask someone who knows about insurance, but isn’t directly trying to sell it to me.
Spoons, any recommendations, since we’re in the same part of the country?
There was a question that asked me if I have a driver’s license, and when I said yes, if my license has ever been revoked/suspended for any reason. I didn’t try to figure out if just having a license alone affects the premiums, or if you have to have been suspended to get dinged.
One further question: does anybody have any idea why the premiums would be lower on a $200K policy vs. a $190K policy? I’m wondering if there’s something wrong with their online calculator. Premiums go up with the coverage amount from $150K -> $190K, then dip a little (like $5/month) at $200K, then increase steadily up to somewhere around $280K, where there appeared to be another slight dip. Is this common (some kind of special on certain coverage amounts?), or do you think their calculator is busted?
Another reason to talk to a human about it, I guess.
Thanks again for the help provided so far.