[raulus]

Also, don’t forget about the deductible. No different than car insurance, a higher deductible will lower your premiums, but also makes it harder to make a small claim for something like a card that gets swallowed up during shipping.

Personally, my biggest fear is a complete loss due to a fire or a thief, so my deductible is on the high side. But that means that I’m really not covered if something goes missing that is below the deductible.