[onewhippedpuppy]

My grandfather didn't insure his airplane, because he had the money to replace it. His philosophy was that you only insure things that you can't afford to replace. I hope to be at that point with my house someday, because it's freaking highway robbery. The cars are no better, but they are under my business so it doesn't feel as painful.

The worst part about insurance is that you pay them for years and never make a claim, then when you do they either jack up your rates or cancel your policy. So for years you pay for a service that you don't use, and when you finally do actually use said service you are penalized. WTF?