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Plus, buying insurance (if you can afford it in the first place) is not only going to pay for damage, if it happens,
it is also paying a "service fee" each year for the company to assume the risk.
Often too, the problems of evaluating property insurance vs payments is the companies have
their own way of evaluating amount of the policy vs today's replacement costs (i.e., depreciation vs inflation).
The are details where the devil hides.
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