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Our house has been paid for for a while. We don't HAVE to have insurance. I don't think it is logical to not have insurance. Just a couple of years ago a hail storm came through and totaled the roof and gutters. It cost 18 grand to fix. We put on a impact resistant shingle and ridge vents. My insurance premium wend DOWN over a grand per year because of the new roof.
That roof replacement was many years of premiums. We don't have earthquake insurance or flood insurance. Floods are very unlikely and a damaging earthquake is even more unlikely.
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Glen
49 Year member of the Porsche Club of America
1985 911 Carrera; 2017 Macan
1986 El Camino with Fuel Injected 350 Crate Engine
My Motto: I will never be too old to have a happy childhood!
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