$95 per year does not sound unreasonable. I had to have a length of
underground pipe replaced a few years ago and IIRC the cost was about
$1400. Some other things to consider, though, are the deductible and the
whether the insurance company will raise your rates if a claim is filed.


--
Better to be stuck up in a tree than tied to one.

Larry Wasserman - Baltimore Maryland - lwasserm(a)sdf. lonestar.org