I consider the lower cost of dealing with NY a type of self insurance...I save enough by buying from them that I could cover any possible mishaps. All good, it's better to have more options than not. Some things as we all know, I'll take from any store that can get me it but that isn't a huge issue with Arcadia products. HLJ hooked me up with my PF Max that I used a coupon for so I'm hapy about that!