"Hey, I can get a new TV if I let my friend come and trash my old one". Fraud is a problem with all insurance policies. Deductibles and investigations go a lon

"Hey, I can get a new TV if I let my friend come and trash my old one". Fraud is a problem with all insurance policies. Deductibles and investigations go a long way to curtail it. They can also set the premium high enough to cover the costs and get to claim that it's available if the homeowner chooses, even though most won't do to the high price. It's a feature that would make them stand out among their ever growing competitors.