I think Insurance is a waste of your hard earned dollars. If I had all the money spent on Insurance in my life time I could buy the bank. As stated it's a risk calculation. Insurance Co's are a pain when it comes time to collect on a claim. It's like make it tough on them wear them out and they might go away.

In 2005 Austin hail storm, Allstate appraised my loss at 250.00, no way . I hired an attorney and collected over 25,000 . I dumped them and now they are sending me " WE want You Back" letters, fat chance. Hoss has the answer.

Sorry about the rage, I hate'm.