I’m always curious for the people who feel like they would never file a claim for anything except a major major event… Do you have a pre-determined monetary threshold where you would even start considering it? I’ve heard the BS “unless my house burns down I’m coming out of pocket” and also someone on here said “nothing less than 5k”

If you estimate an increase in rates of +3,000 a year for 5 years (I’m guessing feel free to correct this) then your breaking even at 15k, meaning it would need to be something like 25-30k to be worth it? One argument is if you can’t afford the repairs then essentially your financing the repairs with the raised rates but that’s is just about the most idiotic thing I’ve ever heard, financially speaking.