Saturday night I was awakened by a electrical snap in my bedroom. The thunder immediately after made me realize that it was lightning and it was close. I got out of bed quickly going through the house unplugging the expensive items... most were on a surge protector that made it easy to get many at a time, but before I made it through the kitchen I heard two outlets begin to sizzle and then one of the glowed briefly and let off a funny smell about the same time as the thunder clap. Lightning had hit the tree beside my house, exploding a fence charger, knocking out my central heat and air, a ceiling fan, a TV, a router, and a cable modem.
As you can imagine, I am insured, but with any luck I will be able to re-coupe and still stay below my deductible. You are probably asking yourself why I say "with any luck I can stay below my deductible". I say it because of this. I insure myself the way I encourage others to insure. I don't insure against the things that will ruin my day, I insure against the things that could ruin my life. Had that lightning caught the house on fire, that would have been beyond ruining my day. In the long run however it is far more expensive to try to insure against something that will ruin my day than the amount it will cost me to replace these items.