From my experience with homeowner's insurance, this is not the time to do it. I was told by one company that they would rather have someone with really large claims rather than many small claims. I didn't know that and was a red flag to my previous company. As soon as I accidentally let the insurance lapse, they dropped me like a hot potato. I was then out of insurance and no one wanted to take me on except one high-risk, super-expensive insurance company! Lesson learned!!
Vickie
If you really can't afford to replace it, you could see if it is covered by homeowners or renters insurance.
Sent from Nicole's iPhone
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