Jan, Thanks so much for the information. I had no idea that companies were doing this. I used to be an adjuster, but that was some time ago. However, if a huge and expensive stone was damage and the loss was substantial, several family members could all put a claim in and collectively cover the damage. I was thinking like a large granite stone that may cost about $2500 to $5000 to repair or replace. Of course, if it was going to be collectively below your deductible you would not want to do this. It is too bad that Homeowners is now being targeted for high risk and cancellation. I guess with all the hurricanes and fires throughout the U.S. the insurance companies have taken a real hit. I think that this is one reason why everyone has to be cautious with losses and also, cemeteries need to do more to prevent vandalism. I do not know what the answer is, but maybe outdoor cameras, tighter security and stiffer penalties if a person is caught. There is too much money and loss at stake.