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TopicInsurance is such a fucking scam man
EPR-radar
10/22/25 4:45:41 PM
#12:


emblem-man posted...
Yeah, I've heard similar for home insurance. They really fuck you over for just making a claim, which is just ridiculous.

Is home insurance essentially just for catastrophic cases?
Basically yes.

Amy time you are insuring a risk, you are paying for that risk + the insurance company's costs of doing business + the company's exorbitant profits (and that assuming the insurance company doesn't cheat on paying out the claim).

This makes no sense at all unless the risk is bankruptcy level risk (e.g., your house that you have a mortgage on burning down, or being liable for death/injury in a car crash).

Thus nickel and dime insurance deals (extended warranties are the perfect example) are pure profit for the offerers, which is precisely why they hound people so relentlessly for those offers.

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"The Party told you to reject the evidence of your eyes and ears. It was their final, most essential command." -- 1984
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