Insuring and Ensuring

The increase in my house insurance reminds me that when people put in false claims or otherwise defraud an insurance company, they justify their actions by saying it doesn’t hurt anyone; it’s just an insurance company.

What such larcenous folk don’t realize is that an insurance company will NEVER lose. If they do lose more than they have accounted for in any given year, they simply jack up the price for those who faithfully pay their premiums without ever submitting a claim, or they get the government to bail them out. Which means, everyone but the insurance company loses.

Not that I think there is any shenanigans going on with the insurance company when they raised my rates, at least not more than usual, but it is something I think about, especially now that I am getting older and don’t have a lot of resources. It makes me wonder about what I will do if I ever get to the point of needing a nursing home. Would I discontinue the insurance those last years, and deal with whatever comes?  After all, it will be the nursing home that gets my property, and I could use the insurance payment for one last fling.

Meantime, the sun is shining in this hiatus before the next storm hits, I have library books to read, and a roof over my head. And that, too, is an insurance of a kind. It might not be the monetary kind of insurance, but those things do help to ensure a good day! (I’m stretching things a bit here, since ensure and insure are completely different things, but I wanted to leave here with more positive slant.)

I hope you’re having a good day, or at least, as good a day as possible.

***

If you haven’t yet read A Spark of Heavenly Fire, my novel of a quarantine that predated this pandemic by more than ten years, you can read the first chapter online here: http://patbertram.com/A_Spark_of_Heavenly_Fire.html

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