Paul kgyy wrote:

I'm curious how many of you owners do carry smooth limits.

I do. The only time I couldn't get it was after switching planes and
having nearly zero time in type. The follwing year everything was
back to normal. Every year my broker (Falcon. A good one!) sends me
quote for one million smooth and $100K sublimit. The smooth quote is
about 25% more, but offers a potentional injured passenger up to 10
times as much coverage. I have assets to protect, so the premium
increase is worth it for me. YMMV.

John Galban=====N4BQ (PA28-180)