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over insuring by $700k is just plain stupid.
i over-insure HOUSE ONLY by about 20% to account for inflation and construction price rises.
it's CYA policy.
i over insure my house.
i perfectly (+/- 5% ) insure my contents.
i insure my car.
i have LL insurance when i have property.
no IPI.
that's it.
my business phone bill is over $400pcm + car + mortgage + insurance + rego + home insurance + business rent + .....
