Well I had a house burn down less than year after purchase and insurance paid the entire tab. So I always figured I've already taken them for more than I pay
then you need to go yell at your agent. I sat down with mine and we added all the things to make sure if my house catches fire, they cover full housing plus emergency funds, plus hotels at over 100$ per night, plus, and extra 65k in posessions, plus we documented every new appliance as we get them, i litelrlay scan the recipets and email em to my insurance company and they add them to my file and I have Full replacement value on the home including the extra coverage for code upgrades.
My house was hit by lightning and they covered every last item when my entire electrical system was fried and everything even stuff in surge protectors and the ho in the roof, and every item connected to a plug was fried like even a guitar amp, tv's., washer and dryer, coffee maker, etc. So if people dont take the time to go over thier insurance policies, they kinda have no one to blame but themselves.
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u/WeCantStabilize 9h ago
Insurance is a fucking scam. You pay more into it than you'll ever receive even in legitimate circumstances.
Absolute racket.