How to insure a sibling 's favorite toy?


We looked at some actuarial statistics for life expectancy (Tao, 92 years; Eden, 96 years; Ben, 86 years--he loses some years from the poisonous ink from all that reading he's doing the).  So parents, I hope your kids move out at least by their 50s!  
With our understanding of correlation we devised insurance policies for items such as animal blankets, cell phones, and calico critters. 
Maybe your Freakanimicist can insure something you like a lot. 

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