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When I was innocent and insurance was cheap

On Aug. 23, 1992, I lived in a three-bedroom, two-bath house west of Metrozoo in a neighborhood called Kings Grant, just south of Country Walk. It was 1,600 square feet, wood-frame, on a builder’s half acre. We had paid $96,000 seven years before, and in a flat real estate market, it wasn’t valued at much more than the day we closed.