insurance dividends

[David Zelinsky]

I'm having trouble figuring out where to record dividend checks from a
mutual insurance policy.  I'm hoping someone has a clever solution.

Here's the situation.  I currently have separate accounts for my
homeowners and car insurance: Expenses:House:Insurance and
Expenses:Car:Insurance.  I recently switched both policies to a mutual
insurance company, which gives me an annual rebate check ("dividend").
This is supposedly a return of some fraction of the premium, so I would
like to record it as a rebate in the two expense accounts.  However,
they don't break it down according to the two policies, so I'm not sure
where to put it.

I could divide up between the two accounts, according to the ratio of
the premiums.  But that seems awfully fussy, plus I don't know if the
divident rate is actually the same for both types of policy (in which
case, in principle my method could end up with one of them having a
rebate that's larger than the premium!)

Ideally I would like to have both accounts be under one master account
for insurance company, so the dividend could go into the parent
account.  But I still want them to be under Expenses:House and
Expenses:Car, so they would each need two parents!

At the moment I can't think of anything better to do than just put the
dividend into some Income account and leave it at that.

Any better suggestions?

--David