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 - Uncle Cecil's Super A Lives Again - by Mike Purcell. A week or so out of most of my childhood summers was often spent with my Uncle Cecil and Aunt Sissie in the small East Texas town of Maydelle on their 80 acre farm. Some of my fondest memories of these visits are those of learning to drive a tractor at the helm of Uncle Cecil’s 1948 Farmall Super A. Uncle Cecil was the second owner of this wonderful little tractor, but it was almost as though he had adopted an infant. The original owner was a man from Minnesota who bought her from a local dea
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