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Hi And Welcome to Flying Solo. It is great to have you!
Thank you for joining our community and posting.
If you talk to 3 x different insurance brokers, you will be in a better position to get the lay of the land.
Keep in mind that insurance is all about risk and there are a lot of people that have too much insurance because the actual risks they are exposed to a minimal or non-existent in actual terms.
Cheers
~Paul