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Have just been talking to my fiancée about this audit insurance topic. For those considering it, check your home policy PDS first - chances are (if you're with a good co.) you're already covered for this up to a certain amount, in this policies case $5k. A lot of people don't realise home...

First of all let me say I've got nothing against insurance, I pay many $$$'s every year in all sorts of premiums and regularly encourage people to get proper insurance, including here on SS. However this one doesn't seem like it would be needed by most small time investors (not talking about...