[onewhippedpuppy]

True sometimes Jeff, but many times not so much. No doubt that if there's a way to wiggle off of the hook, an insurance company will try. However, I could pay on my homeowner's insurance for something like 250 years before I've paid what my house is worth. Overall insurance is cheap, anything I can't replace with a check has insurance. If you are careful with your coverage and understand your policy, the insurance company doesn't have any room to wiggle away.