I removed some unnecessary riders and that brought down my cost by between 400-600 per year. 

I don't have much to add to what others have said, but going forward, I think your insurance is much higher than I've ever paid in SA and you can find a PM for 8% instead of 10% (ask around to make sure they don't just make up for it with unnecessary "maintenance").

You may be able to find other means to finance but all costs unnecessary amount of money. 

All the unnecessary bureaucracy is annoying.

To me that seems unnecessary, but I don't know their situation, or what they own.Originally posted by Scott M.

In a city where lots are well established, it would be unnecessary.

If you are confident you won't get lured into something out of your cash price range, that would actually become a disadvantageous strategy if I'm objectively providing advice on account of unnecessary interest payments

They overlay unnecessary fees, and take forever to close.

"These (unnecessary) upgrades you are requesting will cost a lot of money and a lot of pain.  

I often break it down into the "five pillars" of protecting your assets.1st pillar is avoiding unnecessary and risky activities (don't drink and drive, insurance generally won’t cover your poor decisions) and take good care of your investments - these simple steps will help you prevent lawsuits before they even occur.2nd pillar is a good insurance policy as that cover the majority of your exposure.