Rate this homeowners insurance BS
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Poast new message in this thread
Date: May 1st, 2024 1:55 PM Author: frozen stirring boltzmann
Bought florida home in 2020. Never a claim in 10 years of homeownership. Premiums went from $2,800 to $6,000 in 3 years. 2023 insurer drops us due to new underwriting guidelines. Go to Citizens which is state captive insurer of last resort. Premium of $6,400.
Just got a letter that if citizens can find a private insurer for no greater than 20% premium increase they can take you out. Wouldn’t you know someone wants my policy at $7,670 which is a 19.9% increase and im on the hook for pro rata difference. Obvious citizens publishes their premiums and greedy insurance companies feast on the tasty policies with a guaranteed 19.9% premium increase.
(http://www.autoadmit.com/thread.php?thread_id=5523653&forum_id=2#47625258) |
Date: May 1st, 2024 1:58 PM Author: Talented university headpube
at what point does it make sense to pay off your mortgage and go without insurance.
thats insane. i bitch and moan about property taxes but now with insurance sky high theres no 'winning' even with a low mortgage factored in
(http://www.autoadmit.com/thread.php?thread_id=5523653&forum_id=2#47625267) |
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Date: May 1st, 2024 6:30 PM Author: swashbuckling piazza
No carriers are leaving California with respect to car insurance.
The state purpose of leaving is the utilities are claiming they can't operate in CA due to fire liability for not maintaining infrastructure in remote areas of california that are most susceptible to wild fire risk.
In reality its a scam where all the carriers banded together to leave in mass in order to extract concessions from the insurance commissioner at which point they will all come flooding back in.
CA is the largest economy in the US, all the carriers want to operate here.
(http://www.autoadmit.com/thread.php?thread_id=5523653&forum_id=2#47626258) |
Date: May 1st, 2024 2:06 PM Author: Vivacious cumskin
Biz idea: Great Again Insurance
Hurricane catastrophe coverage only, guaranteed 10% lower premium than the lib pussy insurers in Florida
If the houses all get destroyed, hie to the Cayman Islands with the premiums
(http://www.autoadmit.com/thread.php?thread_id=5523653&forum_id=2#47625296) |
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Date: May 1st, 2024 2:11 PM Author: drab racy property
This is how home insurance should / would operate if it were not for lender insurance requirements.
Instead, lenders require broad coverage with a low deductible to cover their ass.
The indirect consequences of this is must more far reaching than you'd expect.
Since the deductible is so low and the coverage is so broad, people end up using their home insurance for tons of shit that insurance shouldnt be used for according to the underlying principles of insurance (ie. insurance is "traditionally" intended to cover major, financially rouinous, risks).
Said another way, the low deductibles and broad coverage cause homeowners to use home insurance like a home warranty -- BIGLY driving up the cost for everyone.
It also facilitates things like the roof scam I referenced above.
I could go on, but you get the point.
(http://www.autoadmit.com/thread.php?thread_id=5523653&forum_id=2#47625317) |
Date: May 1st, 2024 2:14 PM Author: claret pit laser beams
lol you got off easy
I got a quote for $13K.
never made a claim of any kind. you have to cop a fortified roof.
(http://www.autoadmit.com/thread.php?thread_id=5523653&forum_id=2#47625336) |
Date: May 1st, 2024 8:48 PM Author: claret pit laser beams
btw my copy of the weekly xo digest didn't come last week
What's the number to your subscription department
(http://www.autoadmit.com/thread.php?thread_id=5523653&forum_id=2#47626583) |
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