It’s an argument that doesn’t make any sense, I’d imagine having it gets tiring.
My in-laws just went through an event like this. A sewer backed up and basically destroyed about 60% of everything they owned — everything from HVAC to clothes to kitchen.
It’s not a hazard that is likely to happen at that scale, but for the ridiculously cheap cost of that insurance it’s certainly something worth careful consideration. Getting a boiler replaced on an emergency basis in January is an expensive proposition.
Low probability, high impact risks are the best risks to insure. Home/renter insurance isn’t a scam.
My in-laws just went through an event like this. A sewer backed up and basically destroyed about 60% of everything they owned — everything from HVAC to clothes to kitchen.
It’s not a hazard that is likely to happen at that scale, but for the ridiculously cheap cost of that insurance it’s certainly something worth careful consideration. Getting a boiler replaced on an emergency basis in January is an expensive proposition.
Low probability, high impact risks are the best risks to insure. Home/renter insurance isn’t a scam.