Hi Rick,
Please let me address the easy part first.
I used to be an insurance salesman/claim adjuster for small claims.
The insurance policy that we all buy has certain benefits and certain limitations. The specific limitations are necessary in order to price the insurance to the AVERAGE person's needs.
For example my present homeowners policy limits jewelry coverage to $1,000 dollars and that is because that is all the protection I'm paying for. It also limits the number of times they will pay when my own house catches fire. That is because after three or four fires they don't want me as a customer any longer. I'm too great a risk for the premium that is being charged. In other words there is something wrong with my habits that makes me have so many claims.
I can arrange to purchase better coverage at an additional annual charge if I list each specific item and have them appraised for true value.
The reason that the BASIC policy does not include UNLIMITED jewelry coverage is because most people don't own that much jewelry and would not be willing to pay the cost of providing such protection.
Without the appraisal the customer could cheat the insurance company and/or sell their jewelry and lie about a theft claim. Of course the insurance company knows how some few people lie all the time and has to protect themselves and their customer base.
The same limitations apply to personal property next to your house such as a pool.
You failed to anticipate what might happen during the operation of your lawn mower and didn't first pick up foreign objects or protect your pool from a hazard that "a reasonable person" might have expected to happen during the operation of a lawn mower.
I have mowed lawns for many years and know that debris is often kicked up by the blades, so I stop the mower whenever my wife or another person comes into the yard for any reason. Been lucky so far..
![Roll Eyes ::)](https://bible-truths.com/forums/Smileys/default/rolleyes.gif)
That is why I haven't had any claims in over 40 years of home ownership.
![Smiley :)](https://bible-truths.com/forums/Smileys/default/smiley.gif)
Of course I still had to pay the agreed premium each year so that the insurance company could pay claims filed by others.
So then, I don't think Satan wrote the details of your insurance policy. The provisions were dictated only by good business sense. The insurance company pays all claims with the money collected from other insured people, their customers. They don't pay claims with their own profits, if they did they would shortly go out of business.
I do think that Satan can influence each of us by working to place temptation in our daily lives. Even temptation that leads to envy or greed or "unthankfulness" for the blessings we have been given. Because one of Satan's tactics is to distract us from worshiping the true God. As long as we are pleased with our lives and "have need of nothing" we humans will ignore God and all the blessings we have and come to think, as many do, that God is dead!
Revelation 3:17 (KJV)
17 Because thou sayest, I am rich, and increased with goods, and have need of nothing; and knowest not that thou art wretched, and miserable, and poor, and blind, and naked:[/i]
This is another way that Satan deceives us.
Hope that my comments are not too critical of anyone who reads this. I am the first to confess my own errors.
Indiana Bob