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She said her homeowner’s insurance won’t cover anything pest-related because they deem it preventable.
What’s the point of insurance if whenever you need to use it, they deny you it. Might as well take your monthly insurance payment and put it into a bank account to use if needed.
There seems to be a misunderstanding. You see a insurance is only for the safe feeling before something happens
Insurance is required by your mortgage company.
If you try to use it, the insurance will try to fuck you.
Outside the US it’s uncommon to require insurance on the property.
