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Author Topic: Home owner insurance  (Read 5126 times)

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Offline jen51

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Re: Home owner insurance
« Reply #30 on: June 03, 2025, 03:01:06 PM »
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    • Quote from: Seraphina on June 03, 2025, 02:48:55 PM
    You’d better hope that nobody gets hurt on your property and home.
    I hope not. It’s not like we haven’t considered it. We still don’t find it worth bowing down to a bogus system. 

    We are even less worried about that than a natural disaster, statistically.Again, a very different way of life out here. 
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    Religion clean and undefiled before God and the Father, is this: to visit the fatherless and widows in their tribulation: and to keep one's self unspotted from this world.
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    Offline jen51

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    Re: Home owner insurance
    « Reply #31 on: June 03, 2025, 03:03:00 PM »
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    • Quote from: FarmerWife on June 03, 2025, 02:01:32 PM
    City people can't understand this. Agree with you there.
    Very common in rural farming/ranching communities. 
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    Religion clean and undefiled before God and the Father, is this: to visit the fatherless and widows in their tribulation: and to keep one's self unspotted from this world.
    ~James 1:27

    Offline FarmerWife

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    Re: Home owner insurance
    « Reply #32 on: June 03, 2025, 04:24:12 PM »
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    • Quote from: gladius_veritatis on June 03, 2025, 02:38:06 PM
    Did I miss where actual details about the incident were divulged?  It happened and insurance increased.  Not exactly sufficient insight/info to pass judgment from afar, as if it matters anyway.  Cheers.
    You assumed the dog wasn't at fault and the driver could have been a jerk. Love the gaslighting there.
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    Offline Oldyank

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    Re: Home owner insurance
    « Reply #33 on: June 03, 2025, 05:57:04 PM »
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    • The Amazon guy was at my door handing about 5 packages to me.  My dog came to see what was going on. He saw a stranger near the house and next to me, Somehow the dog got past me and bit the guys arm.  There was no blood.
    The guy took out two cell phones in less than 2 seconds and called someone. he left and came back in 10 minutes with the cop. He sued me for $10,000.00 The insurance company paid it, then I got dropped
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    Offline gladius_veritatis

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    Re: Home owner insurance
    « Reply #34 on: June 03, 2025, 08:54:39 PM »
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    • Quote from: FarmerWife on June 03, 2025, 04:24:12 PM
    You assumed the dog wasn't at fault and the driver could have been a jerk. Love the gaslighting there.

    I assumed nothing.  I merely pointed out that we did not know either way.  Gaslighting?  Uh, no.  It's called remaining impartial.  What you love is your own opinion, informed or not.  
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    "Fear God, and keep His commandments: for this is all man."

    Offline gladius_veritatis

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    Re: Home owner insurance
    « Reply #35 on: June 03, 2025, 09:01:41 PM »
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    • Quote from: Oldyank on June 03, 2025, 05:57:04 PM
    The Amazon guy was at my door handing about 5 packages to me.  My dog came to see what was going on. He saw a stranger near the house and next to me, Somehow the dog got past me and bit the guys arm.  There was no blood.
    The guy took out two cell phones in less than 2 seconds and called someone. he left and came back in 10 minutes with the cop. He sued me for $10,000.00 The insurance company paid it, then I got dropped

    Although you did not need to share the details, thank you.  Clearly it was not a vicious attack.  Ten thousand is nothing in such a case, indicating that it was not a remotely serious situation.  Insurance companies steal more than that every single hour of every single day, but prefer to avoid bad PR, etc.

    While your dog should not be put down for such actions, those who presumed the worst should admit they spoke from ignorance.  They are unlikely to do so.  So what?  Godspeed.
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    "Fear God, and keep His commandments: for this is all man."

    Offline gladius_veritatis

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    Re: Home owner insurance
    « Reply #36 on: June 03, 2025, 09:08:20 PM »
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    • Quote from: AMDG forever on June 03, 2025, 11:48:34 AM
    Ah, I know your type, the animal is presumably good and the human bad. I know it maybe difficult for you, but I’ll make the tiny assumption that the Amazon delivery guy wasn’t looking to get bit. BTW: is this color less offensive to you?

    You know nothing, whether about me or the actual incident -- which was clearly a nothing-burger.  As for the color, by all means continue to prove what I already know is true.  Godspeed.
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    "Fear God, and keep His commandments: for this is all man."

    Offline Ladislaus

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    Re: Home owner insurance
    « Reply #37 on: June 03, 2025, 09:28:51 PM »
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    • Quote from: FarmerWife on June 03, 2025, 04:24:12 PM
    You assumed the dog wasn't at fault and the driver could have been a jerk. Love the gaslighting there.

    Sounds to me like exactly the opposite of what you claim, where he explicitly said we don't have enough information to render a judgment.
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    Offline AMDG forever

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    Re: Home owner insurance
    « Reply #38 on: June 03, 2025, 09:50:01 PM »
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    • Quote from: gladius_veritatis on June 03, 2025, 09:01:41 PM
    Although you did not need to share the details, thank you.  Clearly it was not a vicious attack.  Ten thousand is nothing in such a case, indicating that it was not a remotely serious situation.  Insurance companies steal more than that every single hour of every single day, but prefer to avoid bad PR, etc.

    While your dog should not be put down for such actions, those who presumed the worst should admit they spoke from ignorance.  They are unlikely to do so.  So what?  Godspeed.

    Dog owners have a bizarre tendency to excuse the misdeeds of their pets. There is way more to the story, the Amazon guy got 10 grand for not even a scratch!?!? I know I was born at night, just not last night…..
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    Offline OABrownson1876

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    Re: Home owner insurance
    « Reply #39 on: June 03, 2025, 09:52:59 PM »
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    • If you own your house outright there is always the option of not having homeowner's insurance.  Many states require Homeowner's if there is a lien/loan against the property. I know in Kentucky if the house is paid off home insurance is not mandatory.  I figure when the enemy comes to forcibly vaccinate me, the best form of homeowner's insurance is a Kimber 45 auto. 
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    Offline FarmerWife

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    Re: Home owner insurance
    « Reply #40 on: June 03, 2025, 09:58:07 PM »
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    • Quote from: Ladislaus on June 03, 2025, 09:28:51 PM
    Sounds to me like exactly the opposite of what you claim, where he explicitly said we don't have enough information to render a judgment.
    We already know the dog bit the delivery driver, what more do you need?
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    Offline MaterDominici

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    Re: Home owner insurance
    « Reply #41 on: June 03, 2025, 10:04:09 PM »
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    • Quote from: Stubborn on June 03, 2025, 05:15:12 AM
    Insurance is one of those total scams you pretty much have to have. I went with Progressive for auto insurance, they pestered me to download their app to get progressively lower rates each year - total scam. I rarely drive anymore but they dinged me and raised my rates a lot "due to hard braking." I *might* drive a total of 150 miles a week - 100% country roads, no big city driving whatsoever. If they want you to download their app, don't.     
     
    FWIW, I like having a driving app. The insurance didn't tell me to install it. I was poking around their website while adding our 2nd teen with a 3rd licensed teen coming up this fall. The app was advertised as lowering your rate "up to 30%", so I figured it was worth a shot. At first it only dropped a bit as I guess we were in some sort of trial phase and only getting credit for having the app installed. After the policy renewed, it dropped another $95/month. This was recent, only a couple of months ago. I only have a few complaints (1) it dings me for using my phone while still on my driveway and (2) there's no way to tell the app that a non-driver was using the phone. But, if someone calls and one of my passengers answers it, I can mark the trip as "passenger" and it doesn't count against me. I don't go many places, so it's worth it for me to take the hit of being spied on to save the $$. This is through USAA.
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    Offline Oldyank

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    Re: Home owner insurance
    « Reply #42 on: June 04, 2025, 05:41:28 AM »
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    • I'm happy my dog is willing to defend me and my home, Isn't that what you want a dog for?  I'm sorry the guy got bit, 
    There was a bite mark on his arm. when he showed me there was no blood.  It wasn't like he was hanging from the guys arm.  I know we live in a sissy world. If I went up to a house and there was a dog pissed off at me for being so close to his master, I could expect the same reaction
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    Offline 2Vermont

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    Re: Home owner insurance
    « Reply #43 on: June 04, 2025, 06:07:59 AM »
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    • Quote from: AMDG forever on June 03, 2025, 09:50:01 PM
    Dog owners have a bizarre tendency to excuse the misdeeds of their pets. There is way more to the story, the Amazon guy got 10 grand for not even a scratch!?!? I know I was born at night, just not last night…..
    Isn't there always "more to the story"?  I think the dog's owner was only trying to share how easily and quickly insurance companies can drop you or ding you.
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    Offline FourteenWords

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    Re: Home owner insurance
    « Reply #44 on: June 04, 2025, 06:23:16 AM »
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    • Quote from: OABrownson1876 on June 03, 2025, 09:52:59 PM
      I figure when the enemy comes to forcibly vaccinate me, the best form of homeowner's insurance is a Kimber 45 auto.
    By then, it'll be too late for you and any region of the country where authorities are coming to your house. The only way to beat them is to get ahead of them. 
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