Unless you have specific and/or special business needs, a standard liability policy should be sufficient for the average homeowner. Not only does excess insurance carry a cost, it can make you a target. For anyone familiar with tactics and advertising of Thomas J. Henry, a potential client in an accident with a "commercial vehicle" (which is often a small business' pickup truck) with $1million policy limits is their bailiwick.
The story isn't that [DeSantis] "couldn't win" the primary. The story is that an overwhelming majority of our population is heinously stupid. 50% of them vote for communists. 75% of the remaining 50% vote for Trump, who cant win. When the majority of the opposition party insists on voting for an opposition candidate who can't win, you get exactly the government you deserve. - Well Endowed Ag