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A landlord asks to be added to your policy. The wording they use decides whether you have done them a courtesy or handed them your coverage.

Clients ask me for a number. The honest answer is that the number is personal, but the method for finding it is not.

The most common gap I find has nothing to do with the house. It is the liability limit on the auto policy, and the missing umbrella sitting above it.

Before I quote a single line for a business, I ask for the lease. Not a summary of it — the actual insurance section.