I made a few phone calls (statefarm, etc) and MetLife gave me the lowest quote: Dweilling $356.800 Private structure $71,360 Personal Property $249,760 (What is this? I just have a car, nothing else) Personal Liability Each Occurence $300,000 Medical Payments to others Each Person $1000 (enough?) Loss of Use $89,200 Premiums: 1,340.00 Is this quote reasonable? Thanks