Just a follow-up on insurance:
I have Geico Homeowners in a hurricane zone only because I've been with them 20+ years, so I don't know if this is similar for other policies.
My added "umbrella" policy costs $87 a year and raises my coverage to $1,000,000 against "any civil suit against the policy holder, regardless of reason." The insurance company provides the lawyer, I don't even have to use my own. Kinda hard to beat, huh?
Drewski...
P.S., now that you know my policy, don't even think about coming over....