(my head is a bit fuzzy, so sorry if I'm no
t talking about the correct topic!)
I think insurance
coverage has a lot to do with the regulations in your state. Some states have
far fewer requirements placed on insurance
companies then others. I'm lucky eno
ugh to live in NY State, which has a good amount of requirements.
Three years ago I never would have
wn how lucky I am. My DH worked at a top National Bank for 10 years, in the mortgage division.