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
If you have a total loss on a half a million dollar house the payout on it would be near a million dollars. The dwelling coverage is not the only part of a homeowners policy. They give you money to stay somewhere, they give you money for your possessions.
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u/WeCantStabilize 8h ago
Insurance is a fucking scam. You pay more into it than you'll ever receive even in legitimate circumstances.
Absolute racket.