Throughout my career, I've had more clients than I'd like who declined certain insurance coverage only to then experience some tragedy in which that coverage would have provided much needed protection.
While you don't want to over insure your assets, you DO want to make sure your insurance is adequate.
Insurance can be complex and confusing, so do yourself a favor and consult with a local experienced independent insurance agent.
So you can avoid thinking:
"I wish I'd ...."
Don't gamble with your assets. Reach out to me for a comprehensive review to ensure you are adequately covered: 706-726-1446.