To tell the truth, I would be far, far, very far ahead if I had done such over these 40 years plus as an adult. But I didn’t dare then.
And I don’t dare now, either. lol.
Continued good luck to you!
You are so right. I paid home &auto insurance for 60 years each. Never collected a dime from insurance company. I am pissed off because state farm doubled my car insurance premium in 18 months span. I have perfect driving record with no accidents in 63 years and no claims on house insurance. The deductible is always higher than any repair cost.