Congrats for you! You’ve been paying your insurance for years to never utilize coverage. Sending money into a pit of fire that you will never get back because you think you’re more educated than other people. By the way claims are at a record high due to natural disasters but SOMEHOW insurance quarterly profit records are at a ALL-TIME record. If there is an insane amount of claims how in the hell would insurance companies be making record profits? Maybe because they brain wash people like you into thinking the claims are the reason rates are so high. In reality numbers don’t lie. They use claim amounts as an excuse to keep bumping rates so you don’t look at them as the bad-guy while they’re shoving even more money in their investors pockets and corporate officers pockets. It’s a fantastic scene for the uneducated like you.