[Mudder]

We are happy to have insurance whatever the cost....our house had a direct hit with lightning last Weds. evening. As a result we have many new items and still finding more things that are not working, still have a 4 foot square hole in the roof over garage that the firemen had to make to take care of smoke and smoldering wood. Insurance guy was here, took info, will put in request for financial assistance. If initial check does not cover we submit to get further financial asistance, minus the deductible of course. Roof will be biggest expense, but all the electronic small stuff adds up fast as does all the food that had to be thrown out. It has all been a hassle, but no one was injured and we were only out of our house for one day. The amount the insurance company will be giving us is way more than several years premiums. So, I guess the moral of this story is just pay the insurance you never know when you'll really need it!