OK, I suspected you understood that, but I couldn't quite tell from the wording of the post.

about fifty years of premiums?

The thing is, no matter how strong you are (SRJ?), unless your house is free and clear you have no choice, the lendor will insist on having insurance.

A good friend of mine, about 25 years ago had a very nice corvette....about three years old. And he was a little too thrifty and since he had it paid for he didn't have any collision on it because it was too expensive. So one night after having three or two beers he was out howling along a two laner and managed to spin it between the concrete sidewalls of a bridge. He went out the passenger side window and bounced along the pavement for a couple of hundred feet (he didn't believe in seatbelts either). Fortunately he was just really really skinned up.

He cried about the loss of the vette though.

It would take a strong man (or woman) not to cry if their house burned down uninsured. (a man like SRJ)

Tom W

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[SIGPIC] Diesel loving autocrossing grandpa Architect. 08 Dodge 3/4 ton with Cummins & six speed; I have had about 35 benzes. I have a 39 Studebaker Coupe Express pickup in which I have had installed a 617 turbo and a five speed manual.[SIGPIC]

..I also have a 427 Cobra replica with an aluminum chassis.