They are regarded here as paying out very well on claims. Just double check on things like tractors , equipment ,and atv’s. Here, you have to add those items individually to be covered (it’s not covered on home owners) .
Yes, separate "Marine Rider" covers ATV and boat. Tractors here would be on the farm policy.
Firearms protection is covered under homeowners', with limitations. Additional coverage is available at $ of cost/ $ of protection. As in additional $20k in protection will cost $X. I fail to remember what that rate is.
