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@mrunknown If it's a $400 or $500 broken window. Just eat it and save your insurance. You should have at least your deductible saved, but probably $2500 - $5000 is the standard. Insurance is there for unexpected/catastrophic loss. A broken window is unexpected yes, but not catastrophic. If the...

@johhny This is dumb advice. Very dumb advice. Get good light bulbs, and turn lights off when not in the room. Unplug chargers when done and unplug appliances when traveling/gone for long periods of time. The amount of waisted time on doing the exteams op said will save maybe $5 a month. If $5...