So today I emailed back and forth with my insurance agent only to find out she had only $21,000. Coverage on my garage! Thank God I checked because that would barely cover my concrete work. I had her up the structural coverage to $180K on the garage and itemized everything else I wanted covered. Then I come home and find a tree laying across my stepside.
Did I jinx myself? Did some damage to the bed rails but that's about it as far as I can tell. Nevertheless prior to this I told her I wanted coverage for water, wind, tree damage, etc total replacement cost not replacement value (a good scam they get you with). I don't care if it doubles my rate at this point, but with all the bad stuff happening lately and roof collapsing everywhere I figured I'd better be on the up. I don't think they're going to cover any of the damage to the stepside but we'll see what she says tomorrow.