It should because those routine costs prevent disasters.
That's also why car insurance pays you to install LoJack and homeowners insurance pays you to install fire alarms.
That's also why car insurance pays you to install LoJack and homeowners insurance pays you to install fire alarms.
But this isn't true -- at least for any car insurance or homeowners insurance that I've purchased. You often receive a small discount, but the discount alone doesn't cover the cost of purchase/maintenance.
A health insurance analogy would be: Customer A pays $100/mo because he gets an annual checkup and takes the medicines the doctor prescribes. Customer B pays $200/mo because he hasn't seen a doctor since college.
Customer B could reduce his total out of pocket by $800 per year if he paid for the $400 visit.