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Just a thought, but why not buy 100, 200 or 300 shares(whatever your ES contract budget is) of AT&T currently paying $2.00 per share in dividends per year instead of the ES contract. Just let the dividends pile up and withdraw them as needed for repairs to supplement money that should already be in your repair budget since ES contracts never cover everything ((deductibles etc). If you get a really big repair that you can't cover from the saved dividends and yearly added cash from your budget, you sell stock to cover it. You get a nice return, it pays for most if not all your repairs and if you are lucky money left over when all is said and done.
Just me but, AT&T is cheap at current prices and you'll likely get some price appreciation along the way. To heck with ES contracts... self insure. Buying stock is not scary stuff.
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2017 RAM 3500 Laramie CCLB Dually CTD Aisin, OEM auto level rear air-ride, B&W hitch
2020 3813MS Legacy Cobalt FBP, MORryde 8K IS & pinbox, PI EMS,DIY mods by in-house "craftsman", RV security system Mk1 Beagle Alerter
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