The state of Georgia only requires liability and property damage coverage. You have the option to purchase additional coverage's. It is a good idea to purchase uninsured motorist coverage.

It can be, but it just depends on the extent of coverage you purchase. Commercial Auto is not automatically included with Commercial General Liability.

If you purchase the Commercial Auto coverage along with the Commercial Liability then you will have the coverage. If you purchase only the commercial General Liability then you won't have coverage for commercial auto.

You do not have to purchase full coverage auto insurance in Illinois if your vehicle is paid for. You do still need Bodily Injury Liability, Property Damage Liability, and Uninsured Motorist coverage.

Sure you can. But why would you want to purchase coverage if you already have coverage on your wife's plan? You might want to research now and then wait to buy until after her coverage comes up for renewal.

If you purchase liability coverage on the dwelling policy then yes it will have liability coverage. If you only wanted the minimum price with no extra coverage that's what you get. Make sure you purchase the coverage you want when you talk with an agent. Dwelling coverage is used in situations when you own a home that you don't live in such as a rental property or if it does not qualify for a homeowners policy for some reason. You can add coverage for liability, contents, and many other additional coverages.