Applying A Little Common Sense

I get a phone call from someone saying they handle insurance for my appliances.

Me: “Are you with [Mortgage Company]?”

Caller: “No, we’re not, but I have a good deal on appliance insurance. If any of your appliances go down, we’ll cover any replacements, no questions asked.”

Me: “Hmmm…”

Caller: “There’s a one-time setup fee of $300, and then it will be $150 a month.”

Me: “In the past twenty years here, I’ve had two appliances go out. The replacement totaled $1,600. So you want me to pay $1,800 a year for what again?”

Caller: “Very well!” *Dial tone*