Ran down to the basement yesterday morning to put the wash into the dryer – SURPRISE!. Water all over the basement floor. &^#%%$!## — bad words came pouring out followed by deprecations about how much I hate having such an old house. Fantasies of a brand new townhouse or a very handy person showing up on my doorstep washed over me. I told YA to leave me alone for about 10 minutes.
This isn’t my first rodeo where the main drain is concerned. I called CenterPoint/Minnesgasco right away and they told me they could have somebody out between then and 11:30 p.m. last night. When I got off the phone YA said “how much is THIS going to cost?” But what she didn’t know is that I have Home Service Plus for the main drain. In fact, I have the house to street drain on my plan as well.
I have a love/hate relationship with insurance. 30 years ago Montgomery Ward tried to sell me an insurance plan on a dishwasher I had just bought from them. The sales person said “if this breaks down tomorrow, you won’t be covered.” I told him that if this brand new dishwasher broke down tomorrow, I would not be the sorry one. When I bought my car six years ago they tried to sell me gap insurance which would cover the “gap” between the car’s new value and the normal insurance during the first year (I’m sure I’m describing this badly). The more they pushed, the more I resisted. I finally said “I understand the risk, my sister is an actuary.” This is not true, but it shut them up.
But for this old house, bring on the insurance. My home plan covers my boiler, my fridge, my washer, my dryer, my dishwasher and also the drains. And despite the fact that I pay for this insurance every month, I’m pretty sure I’m a loss leader with my old house and old appliances. Once about 20 years back, I had two guys working on my boiler for almost 2 days straight – over 24 hours of service time – no charge.
So while it wasn’t fun waiting for the service folks to show up, at least I wasn’t worried about having to find a pot of money for them. They actually showed up earlier than I expected, got the drain cleared out lickety-split and now life in the basement is back to normal.
What are you willing to insure?