I have an insurance rider on my homeowners as well, but also have a 3m/1m policy with
http://www3.thomcoins.com/afds.cfm. it cost $600-$700. Does anyone else use them?
I'm not sure if I need the rider anymore, but I never cancelled it. The rider only covered 3 kids at $100-$200/year and I'm not sure the value of the policy, maybe 1m.
I still need to get commercial coverage for my vehicle.