I think they are national but wouldn't swear to it.Your deductible should be OK as you wouldn't want to put in a claim unless it was a major catastrophe.

This morning, I got to thinking about the state of being an investor after the catastrophic effects of coming off the “financial orgasm” some experienced during the “flip frenzy.”

What I do is ask for a fairly high deductible, which lets me get more "catastrophic" coverage with a lower payment.

The issue is that banks have suffered catastrophic losses by letting folks borrow 90-100% on trumped up appraisals during the 2002-2007 period.

Ryan, you are assuming no catastrophic events will happen.

Which I'm pretty sure they will barring any major national/international catastrophes.

The earth has survived more self-initiated catastrophes than mankind could ever create and there are amazing mechanisms in place to create a balance.

Self pay everything would be far better but then we aren't insured for catastrophes should they happen.

You have a good market, so I don't see something "catastrophic" in your market (for example your entire economy doesn't rely on the auto industry). 

Know the law, obey the law, treat people honestly and fairly.That will protect you far more than any LLC or insurance policy or attorney.these are great commandments to follow.. stuff can happen but so can a dual bird strike causing catastrophic engine failure and a landing in the HUDSON river.