Now that you figured that out you may want to check with your car insurance, home/rentors insurance and just about any other insurance you have, including your health insurance and you'll quicky find out that insurance companies don't like to be in business with you, without asking or adding more coverage first. Wouldn't it be great if we could just live in a world where money grew on trees instead of having to always find ways of trying to beat the system? That would be realy nice. Welcome to reality!