[Graybeard58]

I suppose I wasn’t thinking “elderly” enough, I’ll be 66 on the 29th of this month, if I make it and just couldn’t think of a situation where someone would not have insurance on a paid for house. Now I’m convinced that it does happen. Sad,

My mom is 90 and I know that she keeps up with the house insurance, actually my mom pays it but I have a sister near to where she lives and sis makes sure that mom pays her bills.

I’ll digress a bit here. Mom in the past switched back and forth between internet providers and cable/dish providers, cell service, etc. and was surprised to the point that she wouldn’t pay off the contracts that she had signed. Not even realizing that there was a penalty for stopping service too soon. She would get the bargain rate for 3 months or whatever and then drop them as soon as she got the bill for the regular rate. My sister finally got that mess straightened out and tries to watch her more closely now, which is a job in itself because mom is independent minded and thinks she can take care of her own affairs quite well, thank you.

[WhyisaTexasgirlinPA]

That is why I didn't snark at you Graybeard, I figured you were thinking about how dumb you would have to be not to keep insurance on something so valuable. I imagine that someone who paid $3500 for a house in 1945 would not even be able to imagine having to spend $125,000 to rebuild it and replace furniture. It is unfathomable to have something that has increased to that point - but it has in most places, or even more.