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Had a robbery and had several thousand of stuff stolen. Not a big deal. Then 6 months later I had a nearby lightning strike and claim was over $17k in destroyed electronics. Insurance company said if I wanted to stay with them I was going to have to raise my deductible to $5000 for 3 years. Otherwise it sounded like I was going to get cancelled. So I did it and my rates actually went down because of the high deductible. It's past 3 years now and I haven't asked them to lower the deductible yet since I am enjoying the low rates. But I guess I probably should.
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