The price of admission
Posted on October 11, 2007 in the Uncategorized category
I remember when I got my first car - it wasn’t all that long ago, maybe 12 or so years. Nothing special, but a decent car - a red Subaru Legacy wagon. For the first couple of years, I never even had insurance on it - in New Hampshire it is not required. When I finally went to college down at the University of Connecticut I realized that I needed to get some as it is a law down there. So I started to compare car insurance and was quite astonished at the range of prices I found. The difference between the highest and lowest was over $600 - as a single male, under 25 I was considered high risk. Of course none of them were something that I wanted to pay but it is one of those necessities. Call it luck, divine intervention, or plain old safe driving, I have never had to use my insurance in the 12+ years I have been driving.
Knowing how expensive car insurance can be, I just assumed that there would be no such thing as cheap home insurance. I was pleasantly surprise when, 4 years ago, we bought our first home and had to get insurance. It actually costs less than our car insurance! I remember that the same night Simon was born there was quite a wind storm and it was very cold. Not long after we went to the hospital, the power went out at home for a couple of days. That night, the new water heater froze and burst - what a great thing to come home to with a newborn and a 14 month old. I called the insurance company and got a check within a 2 days to cover the cost of a new water heater (minus the deductible of course). Its funny - insurance is just one of those things that you never really think about until something happens, then you are happy that its there.
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