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    $1M Umbrella Policy via Geico/RLI: is $400/yr fair? Is this process normal?

    @painkiller Seems high to me but insurance is not one size fits all so you can't compare your rate to another person's. Some factors considered for an umbrella: -Number and ages of household members. -Driving history (major/minor convictions), accident history. My company looks at past 5 years...
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