are you doing HM insurance???

it'll be $350...a lot of money and i just feel like it's not going to cover everything. i read the 'fine print' and it's not 100% covered...knowing my luck, if something goes wrong, insurance won't matter.

we could really use that $350 elsewhere right now...but then again the HM was very expensive so i don't want to lose that either.

FH does NOT want trip insurance since we've never taken it before on our trip to europe, etc.

did you/are you getting insurance?? please only answer if you know for sure.

i need to decide by thursday when my last payment is due