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RE: Insurance paid way less than what it cost me to replace my roof
Honestly, from what I've seen, it's kind of a lottery. When I was shopping around for my first insurance policy last year, I did tons of research because, you know, budget was tight and I didn't want any nasty surprises....
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RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Exactly how I feel! I went middle-of-the-road with mine - figured I'd rather pay a bit extra monthly than panic if something big happens. Peace of mind is worth something too, right?