I have home insurance with an independent agent. My annual premium went up about $175.00 and they said it was because "cost to rebuild" has increased.
I checked with two other companies and their premium was MUCH higher and the agent informed me that there was no coverage for wind and hail caused roof damage!!
Also no flood coverage which didn't surprise me.
I remember back years ago, a shade tree, within a certain distance from house, was insured if it died or was blown down. Actually collected the maximum of $450.00 for a tree that lightening struck.
Tree value was paid, not property damage if there was any. That was dropped years ago!
Looks like all insurance companies get together and decide what they are going to exclude--as a group!
Same thing with auto insurance. I have had SF auto insurance for over 40 years and I still have non deductible comprensive coverage because I have been with them so long. I have not found another company that has non deductible.
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Today's Featured Article - Listening to Your Tractor - by Curtis Von Fange. Years ago there was a TV show about a talking car. Unless you are from another planet, physically or otherwise, I don’t think our internal combustion buddies will talk and tell us their problems. But, on the other hand, there is a secret language that our mechanical companions readily do speak. It is an interesting form of communication that involves all the senses of the listener. In this series we are going to investigate and learn the basic rudimentary skills of understanding this lingo.
... [Read Article]
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