http://business.financialpost.com/2013/09/27/extreme-saver-sees-her-health-as-long-term-wildcard/
What I would be more worried about is some shmuck a la Nortel kind robbing you blind and no one doing anything about it.
Mattress seems like a better option with Fire insurance.
No one can handle an insurance meltdown 🙂
Live~NRGY 
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