There is a lot here that he needs go over, such as are you cashing out, looking to lock rate, is there pre pay, do you want community or agency?

Do I spend 18 K to replace it even though it’s working fine but corroded? 

@Shannon Mogilinski which areas do you cover? 

I know this might be hard to follow but hope it makes sense!

Quote from @Renee Ward: In a quote for an umbrella policy, when I see it in writing it is labeled a personal umbrella policy with our primary home cars etc. 

(that CA so ignorantly enforces)...Not sure if any of that makes since...it's was just a thought...what are yours 

We've seen our area MLS which covers about 20 counties come down to an average sold to list price ratio of 95.1% and Knox county specifically has come to 96.4 % which is lower by about 2% from this time last year and down from our peak this year of 98.5%. but it's about in line from winter 2022 into spring 2023 which was a time when rates were rapidly rising.

It is on a 13 acre parcel that I own free and clear. 

For example, laminate and tape it to the back of each bedroom door, inside the upper cabinet closest to the refrigerator, in the laundry room, etc.Finally, inspect and enforce.

It makes no sense to me that you would need to advertise nationally.