I agree with you. Its not in the insurance companies best interests to pay out when they can, they have no incentive to "help" you. Sometimes I wonder if home

I agree with you. Its not in the insurance companies best interests to pay out when they can, they have no incentive to "help" you. Sometimes I wonder if home insurance is even worth it. Barring the house burning down from a lightning strike they'll try to clause their way out of almost every situation and even if they can't paying the deductible and insurance increases aren't even worth it except in the most extreme cases. I pretty much pay them just so I don't have to experience the social ramifications of telling people I didn't have home insurance if something did happen.