I've been in this house for 8 years (and four days).  Time really flies.  I had this epiphany last night right before bed -- because I realized I hadn't gotten a bill for my home owners insurance (which should have needed to be re-issued on Feb 8).  Now, I did pay off the house, so you're probably thinking "well, you didn't contact them" to which I'll note that I got the pre-bill mailing that says "THIS IS NOT A BILL.  A SEPARATE BILL WILL FOLLOW." -- but it didn't.

Needless to say this stressed me out a bit, but I did manage to leave a message so my insurance office would call me this morning and allowed it to roll off my back enough that I slept ok.  Today they called and noted that a bill wasn't sent out yet and it isn't due until early March (which is odd since my mortgage paid it in February last year, but ok).  They made sure records indicated the bill needed to come to me.  Crisis averted.  Premiums are up yet another $100 this year.  I can't believe I'm going to phrase this in a positive light, but I've heard of people having premiums double, so I'll take it.