In Illinois you don't pay anything and my "DCFS lady" shows up once a year to check everything out. She also can, and has, popped in anytime. Checks to make sure we are doing fire/tornado drills and everything.
I think this is a case of personal experiences and an example of how, well, it just depends. It's all situational.
Lots of different people and many different experiences. What may not work for some may work for others. Look into it and find the best option for yourself that you feel secure with. No one person's opinion, including my own, is necessarily correct for everyone.

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