How many rentals? A lot of landlords find that after about 15 rentals, paying an agent for insurance doesnt make financial sense, self insuring becomes a better deal. In your case, with $4000 on the "rental" that you live in, it would be even less than 15.
If I was you, I would pencil out dropping insurance on your place as well as the rentals, pool that savings into an account and self insure. Self insuring is not for everybody, I think its mostly because everybody has become conditioned to expect "someone else to pay" when things go bad but if you think about it, bad things dont happen all that much. Besides, insurance companies are not providing insurance at cost, they have a hefty profit built in.
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Today's Featured Article - A Lifetime of Farm Machinery - by Joe Michaels. I am a mechanical engineer by profession, specializing in powerplant work. I worked as a machinist and engine erector, with time spent overseas. I have always had a love for machinery, and an appreciation for farming and farm machinery. I was born and raised in Brooklyn, New York. Not a place one would associate with farms or farm machinery. I credit my parents for instilling a lot of good values, a respect for learning, a knowledge of various skills and a little knowledge of farming in me, amo
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