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House insurance 101: Your sum insured is the most we’ll pay to repair or replace your property. It should be enough to cover all costs involved in building your house from scratch – including things like permits, consents and demolition work. If it’s too low, you’ll end up with a smaller building or having to pay the difference. goo.gl/bJxw93 | Tower Insurance
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I genuinely mean this: it isn’t fair that I was able to get my life together and have insurance cover it just because I have a substance problem. As much as we pay for coverage, if we were to dream, everyone should get a covered month, I’d say every two to three years, to just go the fuck away and get right. This would solve a LOT of problems
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