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#25
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Again, I always weigh the cost/benefit of these things. My wife's rings are more likely to be stolen or damaged than my guns. I work from home, so I am home most of the time. When my wife and I go on vacation, we usually have somebody stay at our house to watch the dog. So, there is usually somebody at our place most of the time, which usually deters thieves. Now, my wife's rings are almost always on her finger. I can just imagine her slamming her ring in a car door or having some thief mug her for them. Of course, they have sentimental value to her too, so we wouldn't want to lose them either. However, they are more likely to be lost or stolen than one of my guns. Plus, even if I destroy one of my guns, it will only cost me $4,000 at max to replace it, and most of my guns are cheaper than that (i.e., around the $1,000 range). So, it just makes more sense to insure her rings than my guns. I have had some of these guns now for 15 years, and not having insurance on them has probably allowed me to buy additional guns with the money I have saved.
It is just a risk assessment that I am doing. If my wife and I were out of the house all day at work, then I might really be worried about a thief stealing them, but that just isn't the case. To protect my life and family should a thief happen to come by while I am home, I have the guns and life insurance should they happen to get past me. Hoping I don't ever have this issue come up. Also, when we do finally buy a home, we are going to get ADT, or a comparable alarm company, for alarm service. So, between the safe room and the alarm service, we should be in good shape. The alarm system will protect my family, the sentimental value to me of my guns, bikes, and Mustang, and my client files. Might just be able to write off a portion of the monthly payments for the alarm system since I'll have a home office.
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The pond, waterfowl, and yellow labs...it don't get any better. |
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