You said “once you pay for the right to have your property value protected”.
So we agree and I read more of a guarantee than you meant.
yes, the right to have it protected....but no guarantee that the protection will work, or to what extent it will work. You read something into the meaning that I did not WRITE into the meaning.
And again, the word GUARANTEE - was only used by you, not me. So I dont’ know why you are pushing this. Even if I had said guarantee, I would clarify with the drop dead gun analogy I used earlier, and it is clarifying.