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How to insure
Saturday night I was awakened by a electrical snap in my bedroom.  The thunder immediately after made me realize that it was lightning and it was close.  I got out of bed quickly going through the house unplugging the expensive items... most were on a surge protector that made it easy to get many at a time, but before I made it through the kitchen I heard two outlets begin to sizzle and then one of the glowed briefly and let off a funny smell about the same time as the thunder clap.  Lightning had hit the tree beside my house, exploding a fence charger, knocking out my central heat and air, a ceiling fan, a TV, a router, and a cable modem. 
As you can imagine, I am insured, but with any luck I will be able to re-coupe and still stay below my deductible.  You are probably asking yourself why I say "with any luck I can stay below my deductible".  I say it because of this.  I insure myself the way I encourage others to insure.  I don't insure against the things that will ruin my day, I insure against the things that could ruin my life.  Had ... more

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