I will admit and be ready for the shame I am sure will come my way, but I have not had insurance in several years.... Just didn't see the need for it. Last time I had it was about 6 or 7 years ago and I had what I think was 250-500 thousand in liability and then I had maybe 13-15 grand in tools and equipment coverage. I have always worked by myself for the most part so the rates for me are probably on the low side. Last time I had coverage on all this I think I paid maybe 500-600$ for all of it, through a local insurance broker, not sure who the underwriter was. I decided I should be insured again since you just never know and asked my statefarm insurance agent for a quote. It came back pretty high... between 1900-2100$ per year depending on my deductable. Is this a typical rate for now a days? Just seems really high to me and I want to get coverage, but at that price I have a hard time being excited about it.