Homeowners Insurance: Affordability for All?

Can you really afford low insurance premiums? (01:50)

When the going gets tough, policyholders must get going … or, their carriers can get rough. (01:45)

Average insurance rates for a retail store?
What would be the average insurance rate for a retail store that sells books? How much more would it be with a children’s unit? If a child was injured in the play clause how much would the rates spike up? I need this for an economics class where we are