[Perfectlap]

I'm in NJ. We have some of the highest insurance rates in the 50 states. At one point it was obscene. I pay $100 a month for full coverage with a $1000 deductible. I have had no points since at least 2000 and have never filed a claim. Taking insurance off for six months (or less?) is not remotely worth the possible risk of fire, theft. And remember hurricane Sandy? I walked out my house and my neighbohrs giant tree was leaning on house at a 45 degree angle.