The majority of this city rents
More households here rent than own, and a renters policy covering belongings, liability and relocation costs is the single most useful contract most of them could buy. It is also among the cheapest. The building owner's policy protects the building and nothing a tenant owns.
The vehicle that works for a living
Warehousing, food processing and freight are what this city does, and personal auto forms exclude business use. Deliveries, hauling and driving for an employer in your own vehicle all sit on the wrong side of that line, and it gets drawn at claim time if it is not drawn at the quote.
Heavy traffic on local streets
A small city carrying this much freight has commercial vehicles on residential roads all day. A collision with a commercial vehicle is a different kind of claim, usually larger and slower, and your own medical and uninsured motorist limits are what carry you through it.