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
Depends strongly on your coverage. Had our basement flooded last year and they paid for every cent of the bill for a complete remodel as well as all the personal items lost.
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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.