This thread is for practical discussion in 🏠 Home, Renters & Property Insurance. Share your opinion, examples, lessons, and what you think other members would benefit from hearing about this topic.
What stands out to me here is how much context changes the answer. Two people can make different decisions for good reasons.
Worth bringing this one back up because the question still matters.
Even after some time, this is still the kind of conversation that can help both new and experienced readers. The answer usually depends on budget, timing, personal priorities, and how much risk someone is willing to carry. That is why it helps when members revisit the thread and add updated thinking instead of only repeating the first impression.
A thread like this can become really valuable if people add examples instead of broad general advice.
This topic has the kind of angle that can bring out very different but very useful answers.
I think threads like this get better when members share the exact situation behind their opinion.
It would be interesting to see how people answer this after more experience, not just at the beginning.
Questions like this usually work best when replies explain the tradeoffs, not just the final choice.
This feels like the sort of discussion that can help both new readers and regular members at the same time.