I perceive that I hold be over insured w/ my home insurance. I enjoy HO +, I also am paying PMI. ?

Answers: If you can find a reputable insurance broker,they can spawn a list of what you've got and they permit you know how much you need.
PMI has not a piece to do with insuring your house. PMI is for the benefit of the lender, in the event that you evasion on the mortgage. That's the only time PMI comes into the picture.

Your homeowner's insurance covers the premises from damage and/or destruction.
PMI protects your lender (it pays if you default and can be removed once you get an appraisal that shows you hold 20% equity in your home - ie your mortgage amount is only 80% of what the house is worth)

HO protects your home/property and assets ... other have this
two different things!
Both required by your lender..and you would be a fool not to carry.

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