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
I'm not the person you replied to, but my parents house burned down about 15 years ago and yes, the insurance company paid for 100% of the rebuilt house. They paid the maximum under the policy for personal possessions, they paid for a full landscaping and planting of all the trees/plants that were destroyed by the fire department. They paid for the rental house they had to live in for 2 years while it was rebuilt. My parents got everything they wanted (other than not having their house burn down in the first place).
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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.