Quote:
Originally Posted by jrref
You don't install surge protection to collect on the insurance.
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CORRECT, meaning installing a whole home surge protector, lightning rods and outlet local surge protectors is called
self insured
You are personally insuring against the risk and aggravation of a random event
AND the risk and aggravation of the insurance company's issues dealing with your scenario.
Same issue with home insurance and pro rated roof insurance. . the older the roof gets, the more you are self insured. . .
It's a bit more expensive living in an environment known for mother nature's disdain for building houses on farm land. .