After a wonderful family Christmas, Hubby and I got a reservation at a local Residence Inn to wait out the restoration of our fire damaged house. As much as I love my family, I also love having my own space, as do my granddaughters who cheered to get the news that their rooms would again be only their own again.
We are thankful our daughter and her family welcomed us while we got our bearings while adjusting to our new circumstances.
Some old stuff had to be cleared out, to the benefit of the local Goodwill, to make room for our invasion. Thank goodness for our good insurance coverage. Never did I seriously think I would ever have to take advantage of my insurance, but I faithfully paid my premium every month for 46+ years.
We have also continuously had insurance coverage on our automobiles, all our personal belongings including a rider on valuable items, and our life. Health insurance was affordable thanks to our employers, but there were times between jobs that we suffered the insecurity of our health being uninsured for as long as 6 months at a time.
Some people believe all this insurance is unnecessary. Over our life together, Hubby and I have had a to dip into all but the life insurance. I have a growing belief that the day we do cash in on our life insurance is coming, but we hope to put that day off for as long as possible.
I suppose if we were wealthy we could be self-insured, but we have never been wealthy. We are now, thankfully, average middle-class people. Insurance helped when we were a struggling young couple expecting a baby, or needing an unexpected minor surgery requiring a hospital stay. As we have gotten older, medical expenses seem to be growing exponentially, even as preventive medicine has become a staple of medical care.
I have a bad feeling, we ain’t seen nothing yet.