I have basic earthquake insurance for both my primary residence and my rental. The policy deductible is 57k and the value is 640k. Afterwards, I would have 380k for dwelling, 5k for personal property, 1.5k for loss of use, and other building code upgrades 20k. The amount is 147.00. I know that is inexpensive, but I always hear that it is not really worth it to have this insurance. On the vehicle, my agent just talked me into increasing my bodily injury limits on each person 250k and each accident 500k. It just sounds like they are always trying to get more money out of me. I am about to look around and compare costs now to change companies entirely. I have State Farm right now. My question on this, is just, what do you recommend on amounts for bodily injury limits please? Thank you so much!

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.