I spent an agregiously short period of time yesterday trying to decide where to buy home insurance. The policy had just expired and a house fire spurred me into action.

Our current broker was recommended to us by my mother, apparently we had a relative working there, and she seemingly told everyone else I know to go there too. Unfortunately, my whole experience with this company has been sub-optimal. Poor service is the norm.

I inquired with other companies and the coverage and costs are all similar. Looking at the details of these policies, 50 + pages for our current one, requires more patience and time than I have. So relying on hopes and prayers, I gave up and decided to stick with the devil I know.

Since everywhere in the downtown is a 5 minute walk I thought I might drop in, as I also now need coverage for our office. Unfortunately, unknown to me, due to COVID they are appointment only. A call to the office reveals the account manager was on holiday and the operator sent me to someone already on the phone. And so I wait for a call back, so I can give them more money.

Insurance, like taxes, feels like it has been created with such complexity that only those with means or a great deal of time can afford to truly understand its workings.