Not a problem with Skymed

Your mileage may vary. In Washington state for example, our insurance commissioner has very strict rules and only one company sells annual policies. Their annual limits are lower than I am comfortable with so we buy individual policies. Because it is so variable, the best thing is to go to “squaremouth” or other comparison site to get a quote based on your particular circumstances. Once you find something acceptable it’s probably a good idea to look at the Best rating of the insurance company.