i called and called,waited,and waited called some more!getting quotes,many out there for 300,000,$375 to 500,and up! i had called a company to get a quote,and they never called back! so i called them again,and Said( if you don't give me a quote. i'll go with your competitor!)well they gave me a call and a quote and were sorry about not calling back. i tell ya when i heard that quote my mouth droped for( $500,000 for $177.00.)I now have insurance!! for the whole year!