Thanks all for bringing this up. I carry a comprehensive only policy on my car since I don't drive it; the only driving I do is to take a disabled friend across the state for medical treatments and I rent a nice car for that. When I need to drive I just call my agent and he turns on the rest of the coverage. The discount I receive on my homeowner's insurance for also having the auto insurance is actually more than I pay for the auto insurance, even counting the times I turn on the full coverage. However, if I can have my medical bills (when I get hit) paid by my auto policy, I might have to look into expanding my coverage.
My agent is just going to hate me for making him dig into such details and crunch the numbers for me. Oh well, since I have brought him several clients I'm sure he will do it with a smile.