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From Florida to California, dwindling insurance options - Printable Version +- Cincinnati Bengals Message Board / Forums - Home of Jungle Noise (http://thebengalsboard.com) +-- Forum: Off Topic Forums (http://thebengalsboard.com/Forum-Off-Topic-Forums) +--- Forum: Politics & Religion 2.0 (http://thebengalsboard.com/Forum-Politics-Religion-2-0) +--- Thread: From Florida to California, dwindling insurance options (/Thread-From-Florida-to-California-dwindling-insurance-options) Pages:
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From Florida to California, dwindling insurance options - GMDino - 09-01-2023 Insurance has always been a scam. But more than ever it's a scam where they can't make more money so screw you. https://www.csmonitor.com/USA/2023/0831/From-Florida-to-California-dwindling-insurance-options?icid=rss Quote:August 31, 2023|BAKERSFIELD, CALIF. RE: From Florida to California, dwindling insurance options - Goalpost - 09-01-2023 My understanding is having insurance, and having flood insurance, are two different things. I believe it's less than 20 percent that have flood insurance 'also'. Hence, a lot of home owners are preferring to just roll the dice without it.. They get their great water view but just risk it. RE: From Florida to California, dwindling insurance options - Arturo Bandini - 09-01-2023 When there is a hurricane, is there something like : Natural disaster clause where the federal government is used as an global insurance for everyone impacted ? Or state or district or something ? RE: From Florida to California, dwindling insurance options - Sociopathicsteelerfan - 09-01-2023 Not surprising to see Farmer's listed so prominently, they have a major reputation for being hot garbage. I had a slab leak at the beginning f the year and all the venders involved asked if I had Farmer's as literally their first question. When I told them I had USAA they were practically giddy. If you're eligible for it I cannot recommend USAA enough. RE: From Florida to California, dwindling insurance options - GMDino - 09-01-2023 (09-01-2023, 11:12 AM)Goalpost Wrote: My understanding is having insurance, and having flood insurance, are two different things. I believe it's less than 20 percent that have flood insurance 'also'. Hence, a lot of home owners are preferring to just roll the dice without it.. They get their great water view but just risk it. It depends on where you live. When my parents bought their home in 1975 they were in a "flood zone" and were required to have flood insurance. Since that time the have improved the area and it is not considered a risk anymore. Which, IMHO is one thing that should be done to help homeowners. But I know of others who had HAD to get special insurance or the sale would not go through. RE: From Florida to California, dwindling insurance options - kalibengal - 09-01-2023 (09-01-2023, 11:30 AM)Sociopathicsteelerfan Wrote: Not surprising to see Farmer's listed so prominently, they have a major reputation for being hot garbage. I had a slab leak at the beginning f the year and all the venders involved asked if I had Farmer's as literally their first question. When I told them I had USAA they were practically giddy. If you're eligible for it I cannot recommend USAA enough. I have Farmers as well and I had a better experience. Last month I had slab leak as well and had to re-pipe everything above ground using pex pipe They paid for the majority of that job including drywall, repaint etc. In Cal BTW RE: From Florida to California, dwindling insurance options - HarleyDog - 09-01-2023 (09-01-2023, 10:50 AM)GMDino Wrote: Insurance has always been a scam. I somewhat agree because I used to work for a very large life, annuity insurance company headquartered in Cincinnati. Different types of insurance, same money grab. Always had an issue when they would do drives for the best salesman and send them on luxury vacations worth 10's of thousands of dollars. Then hold dinners for agents and families at zero costs. That's unfair to policyholders IMO. Plus, they always wanted me to push products. I sold more stuff by being honest about a person's needs and not trying to persuade them on things they didn't. Of course, that was 30years ago. They may be different now. RE: From Florida to California, dwindling insurance options - Goalpost - 09-01-2023 (09-01-2023, 11:30 AM)GMDino Wrote: It depends on where you live. And that's possible. If your home is on the actual water Water, you might have to get flood insurance. But if you are a street or two away, maybe not a requirement. And I'm guessing those hurricane surges totally f'd over those without insurance in those locations. I have a cousin like that in Clearwater. He's not on the water facing the gulf. But if he looks across the street, his neighbor sees Clearwater beach. He's that close and not sure what insurance he carries to be honest with you. RE: From Florida to California, dwindling insurance options - Sociopathicsteelerfan - 09-01-2023 (09-01-2023, 11:39 AM)kalibengal Wrote: I have Farmers as well and I had a better experience. Last month I had slab leak as well and had to re-pipe everything above ground using pex pipe I'm pleased you had a positive experience. For some reason my sister had Farmers and they were a nightmare to deal with for her. RE: From Florida to California, dwindling insurance options - Nately120 - 09-01-2023 (09-01-2023, 12:36 PM)Sociopathicsteelerfan Wrote: I'm pleased you had a positive experience. For some reason my sister had Farmers and they were a nightmare to deal with for her. Insurance companies spend so much on marketing, they'd have to be total shite. RE: From Florida to California, dwindling insurance options - guyofthetiger - 09-05-2023 Insurance companies are difficult to deal with for any claim. Funny how they take your premium without hesitation. Then fight you to make a claim. And up go your rates. RE: From Florida to California, dwindling insurance options - Nately120 - 09-05-2023 (09-05-2023, 02:10 AM)guyofthetiger Wrote: Insurance companies are difficult to deal with for any claim. Funny how they take your premium without hesitation. Then fight you to make a claim. And up go your rates. That's the ultimate secret code to winning the USA's brand of semi-free market capitalism...find every way you can to take money, and then when it comes time to give someone else money you find every reason not to do so. You give me your money for some rainy day sort of scenario, and then when I'm supposed to give money to you, I tell you that I can't or don't have to and that you should get your money from your fellow non-corporate taxpayers. A more direct version of it would be for me to just say "Hi, I'm Nately120...give me all your money and then go on welfare. People on welfare have it too good right? Go be one of them, but you have to give me that stupid money you have now first. The end." RE: From Florida to California, dwindling insurance options - GMDino - 09-05-2023 (09-05-2023, 02:10 AM)guyofthetiger Wrote: Insurance companies are difficult to deal with for any claim. Funny how they take your premium without hesitation. Then fight you to make a claim. And up go your rates. My car insurance when up $1000 a year this year. No claims last two years. Luckily I have a company that shops for better rates and they saved me this time. RE: From Florida to California, dwindling insurance options - Sociopathicsteelerfan - 09-05-2023 (09-05-2023, 08:57 AM)GMDino Wrote: My car insurance when up $1000 a year this year. No claims last two years. Who do you have for auto insurance, because that's an insane hike in premium? RE: From Florida to California, dwindling insurance options - GMDino - 09-05-2023 (09-05-2023, 11:59 AM)Sociopathicsteelerfan Wrote: Who do you have for auto insurance, because that's an insane hike in premium? It was Travelers. When we switched to them years ago they were head and shoulder above the Nationwide policy I'd had since I was 16. And they served us well when we did need something like a tow. But that was crazy. RE: From Florida to California, dwindling insurance options - Sociopathicsteelerfan - 09-05-2023 (09-05-2023, 12:52 PM)GMDino Wrote: It was Travelers. Unless you bought a much more expensive car, and you gave no indication of this, that is an insane price hike. Did they give you a reason or it just appeared on your bill? I can see such a raise in premiums from a smaller insurer, but from a nationwide company that's just not excusable in any way. RE: From Florida to California, dwindling insurance options - GMDino - 09-05-2023 (09-05-2023, 12:58 PM)Sociopathicsteelerfan Wrote: Unless you bought a much more expensive car, and you gave no indication of this, that is an insane price hike. Did they give you a reason or it just appeared on your bill? I can see such a raise in premiums from a smaller insurer, but from a nationwide company that's just not excusable in any way. Nothing changed. We added a used car year and a half ago to replace one. Same number of cars and drivers. Our son turned 21 this year. Maybe he's a higher risk? I didn't even know until the agency contacted me, then I got the payment email from Travelers for September. No reason that I saw. RE: From Florida to California, dwindling insurance options - basballguy - 09-05-2023 (09-05-2023, 08:57 AM)GMDino Wrote: My car insurance when up $1000 a year this year. No claims last two years. That's incredibly stupid, i'm sorry. My last claim was 3 years ago and my last at fault accident was maybe 15....my insurance is over 300/mo for full coverage and I even listed my car as a leisure vehicle since I never drive anywhere. If I drove my vehicle into the office 5 days a week i bet it would be closer to 400/mo. I bounce back and forth between USAA and GEICO (currently GEICO) but it might be time to go back to USAA to see if I can get lower (though I doubt it). Insurance is ridiculous....but there's an increasing amount of uninsured drivers on the roadway which is driving up all our costs....why is there an increasing amount of uninsured drivers? Cause it's expensive! RE: From Florida to California, dwindling insurance options - pally - 09-05-2023 (09-05-2023, 01:54 PM)basballguy Wrote: That's incredibly stupid, i'm sorry. I received notification from USAA that they are raising their rates across the board with the usual cost impact statement. I haven't had a claim on my insurance in at least 20 years. It's hard to gauge the exact impact because the general rate increase corresponded to the expected increase when I replaced 20 year old Toyota with a 2023 Honda. I'll have to wait and see what my homeowner's does next month And this was in the Washington Post today https://wapo.st/3P2Bqgp Drivers squeezed as auto insurance costs soar across the U.S. RE: From Florida to California, dwindling insurance options - Truck_1_0_1_ - 09-05-2023 Yeah, thankfully the insurers up here in Canada are much better, but we do have our horror stories as well... ... like how a company my father has had EVERYTHING insured with for over 40 years (RSA), dropped my parents' coverage because, "you have too many claims on your profile." That was the legit reason. Because the house they bought has asbestos in it and required an insurance claim to remove. That one claim, wiped out an over 40 year relationship. My wife and I have had the same car insurer (the Personal) since 2015 and *knocks on wood* they have been phenomenal for my wife and I, not to mention I am now at $95.00 a month for full car insurance. |