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@abhishek Do you live in a condo or an Apartment building? Is there an association? Is there a Master insurance policy for the building? What is the master policy deductible? These are all important questions... before you can assess if you have the right coverage

@srg Are we looking at a Unit Owners policy... it may be more than enough to respond to the Master Policy deductible

@steveng Smart.. increasing your liability limit to 1M for an additional $20 per year.,