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It's one of the reasons why about 10yrs ago, I decided to "self insure" - ie only 3rd party property and take the risk on theft, fire and damage due to my own fault.
It's a personal choice and there is risk but over a lifetime, I figured how many times would I expect to submit a claim.
The savings start adding up over the years. But as I said, I am taking on & managing that risk.
Darrin...
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