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for those of you who are saying I am paying too much for LTCI,

Has anyone actually said this? I guess I missed it.

WRT homeowners, I self insure to a certain extent in that I carry the highest deductible. Ditto for cars and umbrella. And for our vacation/future retirement home, I don't carry flood insurance, so yes, I self-insure for that. But with 300' of riverfront and kids who seem to love to ignore boundaries, you bet we carry insurance....particularly liability. Arrived one day to find our best rope swing was missing. Turns out that a kid visiting next door decided to swing over the very swollen river without permission and it broke, sending him into the drink. Kid is lucky he didn't drown. We cut the other rope down immediately and won't put one back up. Our other neighbor is chasing kids out monthly. Can't wait to take up residence.

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