OZARK COFFEE!
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First Time Discount 25%: ZAC25
Reorder Discount 10%: ZAC10
ZEAL – Sign up under SMART SUBSCRIBE and save $10 off your order. Every purchase helps the homestead!
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Makes you wonder if “excess deaths” are impacting insurance companies, so they have to make up in any way possible for paying out more than expected on life insurance.
I’m in the Ozarks Mo. Retired here to a farm from a densely populated Northeast city area of New England. I was shocked that House Insurance here in a rural area on a much less expensive house with less crime was much higher than in New England.
The rural are being r*ped by House insurance rates. It makes no sense.
“When tragedy strikes” LOL more like when the govt blows up levies in NOLA, modifies the weather causing tornadoes and hurricanes, starts “wildfires”, and uses DEW technology against the population.
My homeowners premiums went from $2000/year to $2500/6 months. They said because they estimate my house alone would cost $350,000 to rebuild. I went to a civilian company, took $300,000 coverage and paying $2000/year. USAA was screwing me over the whole time. They denied the 3 items I claimed 1 spring from winter freeze. “If it touches, holds, Carrie’s or otherwise interacts with water it’s not covered against anything but fire while filled to capacity but we’ll make a note on your policy.” Thanks a lot jerks! Take thousands a year and there’s an exclusion for everything but fire! So earthquake would somehow violate it and tornado and the river suddenly rising 30’ and anything else that could happen which means we basically are uninsured against everything but fire. My agent now said we don’t live in a flood plain so it’s not optional but all the usual problems are covered. Hail to fire. I hope I never need them but it’s more than USAA covered. The numbers involved with a home should force companies to actually cover all forms of loss.
Every homeowner should pay attention to what they pay and for what they pay. If the insurance co does not do what you want, change to another. We changed our home insurance some years ago because they would not value our home for what it was worth. Also, we changed car insurance some years ago, it has doubled in ten years. We now pay 2500 per year for two vehicles.
Our house is paid for and we let our insurance go last year because it went from $1200 to $3800, car insurance from $236 to $486, no accidents in our 55 years of driving. We are retired and are paying $565 for health insurance on top of the amount we have taken out of our ss check each month.
Everybody band together and canceled their insurance cut the money flow off. All insurance is thef. Insurance was passed by bureaucrat on Christmas Eve night. It is not a law. They lie and tell you it is it is not.
I am in Ca & was paying $150 a month for Homeowners ins when I bought my home 11 years ago. We are now paying $1100 a month for insurance. I just got a notice from my ins. company last week stating it is going up another $1000 a month starting 2/1/25! That is more than 200% more than my mortgage payment.
BTW we cannot get insurance in the area I live except thru the Ca. exchange, but we are required by law to have it…. go figure…..
As soon as I can leave, I will.
I don’t have home owners insurance. I just have a $40 property tax each year.
Makes you wonder if “excess deaths” are impacting insurance companies, so they have to make up in any way possible for paying out more than expected on life insurance.
Have to make a profit somehow.
In this life, you’re on your own.
I’m in the Ozarks Mo. Retired here to a farm from a densely populated Northeast city area of New England. I was shocked that House Insurance here in a rural area on a much less expensive house with less crime was much higher than in New England.
The rural are being r*ped by House insurance rates. It makes no sense.
Ours went up by $200 a month last year. It’s ridiculous.
Texas hete, 50 percent on my auto, none on house
“When tragedy strikes” LOL more like when the govt blows up levies in NOLA, modifies the weather causing tornadoes and hurricanes, starts “wildfires”, and uses DEW technology against the population.
My insurance, with no claims, was $900. It went up another $1,200. $2,100 a year now.
My homeowners premiums went from $2000/year to $2500/6 months. They said because they estimate my house alone would cost $350,000 to rebuild. I went to a civilian company, took $300,000 coverage and paying $2000/year. USAA was screwing me over the whole time. They denied the 3 items I claimed 1 spring from winter freeze. “If it touches, holds, Carrie’s or otherwise interacts with water it’s not covered against anything but fire while filled to capacity but we’ll make a note on your policy.” Thanks a lot jerks! Take thousands a year and there’s an exclusion for everything but fire! So earthquake would somehow violate it and tornado and the river suddenly rising 30’ and anything else that could happen which means we basically are uninsured against everything but fire. My agent now said we don’t live in a flood plain so it’s not optional but all the usual problems are covered. Hail to fire. I hope I never need them but it’s more than USAA covered. The numbers involved with a home should force companies to actually cover all forms of loss.
State Farm wants a 22 percent increase!
We got our little semi homestead two years ago and the insurance and property tax has went up 500/mo since we moved in. Not in the budget.
Every homeowner should pay attention to what they pay and for what they pay. If the insurance co does not do what you want, change to another. We changed our home insurance some years ago because they would not value our home for what it was worth. Also, we changed car insurance some years ago, it has doubled in ten years. We now pay 2500 per year for two vehicles.
I stopped paying insurance a couple of years ago
Our house is paid for and we let our insurance go last year because it went from $1200 to $3800, car insurance from $236 to $486, no accidents in our 55 years of driving. We are retired and are paying $565 for health insurance on top of the amount we have taken out of our ss check each month.
Everybody band together and canceled their insurance cut the money flow off. All insurance is thef. Insurance was passed by bureaucrat on Christmas Eve night. It is not a law. They lie and tell you it is it is not.
I am in Ca & was paying $150 a month for Homeowners ins when I bought my home 11 years ago. We are now paying $1100 a month for insurance. I just got a notice from my ins. company last week stating it is going up another $1000 a month starting 2/1/25! That is more than 200% more than my mortgage payment.
BTW we cannot get insurance in the area I live except thru the Ca. exchange, but we are required by law to have it…. go figure…..
As soon as I can leave, I will.
Legal is not mean lawful. Legal is a presumption to assume they have authority over us. Look up the 12 presumptions and assumptions.