I know, my point is if the house is a total loss, and you are able to sell the lot for $200k, you still lost $250k. Not to mention whats inside, all your stuff, so how many years of premiums is that?

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1969 280SE
2027 Ram 1500
2026 Genesis GV70
2007 Tiara 3200
1988 Egg Harbor 37
1981 Boston Whaler 17