the essence

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Ray & I were talking about finances (again) yesterday & he mentioned how much our health insurance costs. It's astronomical! Thankfully, because we only have one car, our car insurance cost isn't too bad. We were talking to some of our friends last night about home insurance. A little while after we bought our house our insurance went up by a few hundred dollars but we've heard that the prices on home insurance have been dropping again. We need to save as much money as possible so I think we're going to call our company about lowering our rates - and if they won't, we're changing companies! One insurance that we don't have is pet insurance and I can't see us spending money on that anytime soon. What do you think? Are your pets insured?