We never insured the boat dock because they told us they’d only pay a claim was if it was damaged due to war. Snort, no insurance company insures for war.
Now that we have paid off our mortgage, 14 years early [THANK YOU PRESIDENT TRUMP!!!] we will not be carrying much insurance that was required by the mortgage company.
If you read the terms of your policy, it don’t cover much of anything......................
Our insurance payment was twice the mortgage payment.