It's all about your risk tolerance. Find a good insurance broker and just buy the insurance coverage you need to sleep at night. Personally, I only insure for catastrophic losses with my business.
The first think you should do is investigate if your homeowner's policy will insure her when doing work inside your home with your existing coverage.
__________________
MOTIV 750 ST | MOTIV PI | 100% E85 | Fuel-it Stage 4 LPFP | MOTIV Boost Box + MHD Protune | Quaife | Öhlins | Brembo | Akrapovic
|