Folks,

For those of you with lots of stuff, this has worked for me. I insure:

87 SDL
92 Mustang 5.0 convertible
93 Lincoln MVIII (290 hp)
96 Ford E-150 conv van

Full coverages, $500 collision, but with the lowest liability coverage. Total is around $2k/year for 2 adult, clean record drivers driving around 50K miles/year.

I also insure:

house
350 hp ski boat
pontoon boat

So my (State Farm ) agent recommended to lower all policies to minimum liability, then add an umbrella liability coverage policy for $2M. The net is my overall bill is less and coverage is higher. I think the umbrella policy is about $170/year.

Chuck