-2000$ (Deductible on home insurance) plus need new dishwasher
somewhat standard if you don't want to pay $4k a year in homeowners insurance
but if you have a big issue you will be glad to only pay $2k of that $20k bill
it's amazing how many things are not covered
what is covered is if your bike gets stolen, but that deductible can get you...probably not bresner's bike
Although I'm glad to hear the record collection was safe, If I recall correctly your old place the records were below the kitchen