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What about homeowners insurance?
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czarina
Has Achieved Nirvana
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good advice, Lisa.

we aren't having the problems of jacked up rates or being dropped in our area, but definitely something to consider in some parts of the country.

SK, i still think you should consult with a good *independent* insurance agent before you make a final decision. they also can tell you things like how the company handles claims, increases, etc. And they may be able to find you better rates than you can on your own.


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fear is the thief of dreams

 
Posts: 21392 | Registered: 18 May 2005Reply With QuoteReport This Post
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Also worth keeping in mind that an agent is a salesperson who gets a commission from the company you end up getting a policy with. Not all companies compensate equally. discussions on insurance agent forums are very interesting in this regard.


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We are all visitors to this time, this place. We are just passing through. Our purpose here is to observe, to learn, to grow, to love… and then we return home. - Australian Aboriginal proverb

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Posts: 38073 | Location: Somewhere in the middle | Registered: 19 January 2010Reply With QuoteReport This Post
(self-titled) semi-posting lurker
Minor Deity
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Lisa, pique, WTG, thanks for these comments!!

I was leaning away from the $5000 deductible, but now I'm leaning back towards it.

Pique, I did contact an independent agent and he still couldn't get me better than SF with anything that my mortgage lender would accept. (long story but he put together a package where the dwelling coverage is lower than the purchase price and he had an explanation for why that was ok, but my lender won't take it.)

I probably should contact a few more but I'm getting really tired and at this point I think it might only be the difference of a few bucks a month...


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Posts: 18665 | Location: not in Japan any more | Registered: 20 April 2005Reply With QuoteReport This Post
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We're meeting with our SF agent next week (actually a new SF agent, we're not impressed with the one who inherited our account when our previous agent retired), and one of the things we plan to do is raise our homeowners deductible because we know we won't be filing a claim if it's less than $5000.


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We are all visitors to this time, this place. We are just passing through. Our purpose here is to observe, to learn, to grow, to love… and then we return home. - Australian Aboriginal proverb

Bazootiehead-in-training



 
Posts: 38073 | Location: Somewhere in the middle | Registered: 19 January 2010Reply With QuoteReport This Post
(self-titled) semi-posting lurker
Minor Deity
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Well, at least I know I'll be in good company if we go that route!


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My piano recordings at Box.Net: https://app.box.com/s/j4rgyhn72uvluemg1m6u

 
Posts: 18665 | Location: not in Japan any more | Registered: 20 April 2005Reply With QuoteReport This Post
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They've got you under surveillance.

https://www.msn.com/en-us/mone...-the-sky/ar-BB1laoMI


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We are all visitors to this time, this place. We are just passing through. Our purpose here is to observe, to learn, to grow, to love… and then we return home. - Australian Aboriginal proverb

Bazootiehead-in-training



 
Posts: 38073 | Location: Somewhere in the middle | Registered: 19 January 2010Reply With QuoteReport This Post
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Minor Deity
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Yikes!

I guess we shouldn’t be surprised. Why would we expect anything from different from the industry that came up with those tracking devices for car insurance.


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My piano recordings at Box.Net: https://app.box.com/s/j4rgyhn72uvluemg1m6u

 
Posts: 18665 | Location: not in Japan any more | Registered: 20 April 2005Reply With QuoteReport This Post
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State Farm won’t be renewing some policies in California.

https://finance.yahoo.com/news...rance-150000813.html


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We are all visitors to this time, this place. We are just passing through. Our purpose here is to observe, to learn, to grow, to love… and then we return home. - Australian Aboriginal proverb

Bazootiehead-in-training



 
Posts: 38073 | Location: Somewhere in the middle | Registered: 19 January 2010Reply With QuoteReport This Post
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