Good points TupeloSGA. Glad someone with first hand knowledge could clear up the debate about the insurance. I wonder what the deductable is on the insurance plan at Mom and Pops House-O-Hunting store. Lets see a group plan with a total of 6 people in it. I would place the monthly rates at about 350 dollars with a 2000 dollar deductable and a clause that states it only pays off if you get hit by a truck driven by a 32 year old Lebanese transvestite with corn roles and a gold tooth.
