> Over the decades I've been living on my own, I've never had a situation where any RI policy would kick in
That's fairly expected. Given my current RI cost and how much it covers, they're losing money if I make a significant claim more than every 200 years or so.
That's fairly expected. Given my current RI cost and how much it covers, they're losing money if I make a significant claim more than every 200 years or so.