I suggest you also look not only at price but coverage too to best determine your needs. There are less expensive policies attached to your homeowners policy with lower coverage and then richer "stand alone" policies with higher limits an more coverages.
Also be sure to look at what is excluded. Many policies do not cover renters and others may not cover you if you go out of your "community".
Most important be sure to know what you are purchasing and where any potential gaps may be.
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Karen
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Living my dream 
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