Catholic Info
Traditional Catholic Faith => The Greater Depression - Chapter I => Topic started by: Gunter on June 02, 2025, 08:58:21 AM
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Anyone experiencing extreme increase on their home owners insurance? Mine went up 35%. I haven't made any claims and I'm in a low extreme weather area with a +800 credit score. Thoughts? I heard there are no agent companies out there which in theory should lower the rate.
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Jews/ѕуηαgσgυє of Satan,
if you want a broad, to-the-top answer.
All on purpose
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I own the house in full, would you drop coverage?
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I own the house in full, would you drop coverage?
not if it's not squeezing you. Not much any of us can do with this BS system.
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Yes. Allstate doubled mine (I've never had a claim in my life) so I switched to GEICO and it's $500 cheaper than my original Allstate policy.
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That's all you can do - shop around. About 6 years ago, we had used insurance for hail damage, but they waited a few years to raise the rates, it went up about 20%. Shop around.
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Extreme weather is not the only way your home can be seriously damaged. All State is way over-priced. Look into the competition.
Unless you live in a remote wilderness cabin or are so rich, the destruction or serious damage of your home presents no problem, you should have at least the basic coverage.
Many municipalities require homeowners, even if you’re fully paid, no mortgage, etc.
To quote a non-Catholic, Diana Ross, “My momma told me, you gotta shop around!”
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My dog bit the Amazon guy a couple of years ago, I was dropped by my insurance company and now my premium is $5,500.00 a year up about 3,000.00 since the bite. oh ya, the guy sued me.
You will own niothing and like it
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Anyone experiencing extreme increase on their home owners insurance? Mine went up 35%. I haven't made any claims and I'm in a low extreme weather area with a +800 credit score. Thoughts? I heard there are no agent companies out there which in theory should lower the rate.
So, mine hasn't gone up quite that drastically, but they keep elevating the so-called "rebuild value" of your house, i.e. how much it would cost to rebuild it from scratch.
So my home is allegedly worth 1.4 times what it was just before the Plandemic era.
Home Insurance then sets the cost of "rebuilding" the home from scratch (in case of total loss) at a value that's nearly 1.6 times even that inflated value.
Consequently, the rebuild cost of my home is now 2.9 times more than what it was in 2019 (right before Plandemic).
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That's all you can do - shop around. About 6 years ago, we had used insurance for hail damage, but they waited a few years to raise the rates, it went up about 20%. Shop around.
Yes, I would agree.
I have to switch both auto and home insurance very 2-3 years. You get in at a good rate and then they creep it up on you (even if you don't make claims). Your only choice is to switch.
I started with GEICO, who gave me great rates ... but then 2 years later, for almost no eason at all, tripled the rates.
I then went to AllState, which was less than half of what GEICO ended up being.
Now that AllState has crept up to over double what it was a couple years ago, I just went over to Progressive (best auto rate yet given that I have 6 drivers in the family).
I suspect that they try to lure you in, and then creep the rates up knowing that it's a hassle and inconvenience to switch over and that you're willing to absorb being ripped off just a little bit to avoid that hassle.
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I saw a significant drop in cost when I went from Nationwide to State Farm (about 40 percent less), which I only did out of necessity when I tried to get coverage on the home I inherited from my mother, and Nationwide dithered around forever getting me a quote ("forever" as in around two months). I finally despaired of hearing from them and went with State Farm (it's a second home). State Farm, however, told me that to get the policy, I'd have to replace the roof within a year --- the house does not need a new roof --- and I am thinking about going back with Nationwide, if they don't have a similar requirement, higher premiums would be much cheaper than a new roof.
After I'd gotten the State Farm policy, Nationwide called me and said they were ready to work with me, but I told them it was too late, I'd already gotten another policy (I hadn't called them yet to tell them). The agent apologized profusely for the delay, what she couldn't come right out and say, was that the previous agent had apparently stashed my request away and hadn't worked on it, which is why I hadn't heard from them, not because the policy was hard to get.
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We don’t have insurance on our house. It is a semi-old farmhouse. The last house we owned we were constantly having to do things to make the insurance company happy.
In the house we live in now, we heat it with wood 100%, and insurance companies really ding you for that. There are also many things we’d have to update in the house or do away with if we were to get insurance on it. We are pretty happy without it.
This year they almost doubled my MIL’s home owners insurance so she dropped hers as well.
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Yes, I would agree.
I have to switch both auto and home insurance very 2-3 years. You get in at a good rate and then they creep it up on you (even if you don't make claims). Your only choice is to switch.
I started with GEICO, who gave me great rates ... but then 2 years later, for almost no eason at all, tripled the rates.
I then went to AllState, which was less than half of what GEICO ended up being.
Now that AllState has crept up to over double what it was a couple years ago, I just went over to Progressive (best auto rate yet given that I have 6 drivers in the family).
I suspect that they try to lure you in, and then creep the rates up knowing that it's a hassle and inconvenience to switch over and that you're willing to absorb being ripped off just a little bit to avoid that hassle.
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.
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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.
I refused the app. It would have only lowered my rate like $100 for 6 months. Not doing it for that. Even if you have your phone connected to the car they dimy you for phone use while driving. Or I can't hand my phone to my wife while I'm driving. Talk about feeling like Big Brother is watching you.
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We have State Farm for both property and auto. Our property insurance doesn't come due until September, so we don't know yet. It has been exactly the same for the last 2 years while living in this house (we moved in 2022).
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My dog bit the Amazon guy a couple of years ago, I was dropped by my insurance company and now my premium is $5,500.00 a year up about 3,000.00 since the bite. oh ya, the guy sued me.
You will own niothing and like it
Ah, the price you pay for having a nasty dog.
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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.
Whoah, what? We have progressive for auto insurance as well. Am I understanding correctly that you are saying that they are able to track what you are doing (as far as driving goes) in your car as you are driving through the app?
I am not ok with that!
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Whoah, what? We have progressive for auto insurance as well. Am I understanding correctly that you are saying that they are able to track what you are doing (as far as driving goes) in your car as you are driving through the app?
I am not ok with that!
Yes, that's what I am saying. It tracks routing on all of your trips, your speed, how fast you accelerate, how sharp you turn and how hard you brake.....if you have the app, uninstall it.
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Yes, that's what I am saying. It tracks routing on all of your trips, your speed, how fast you accelerate, how sharp you turn and how hard you brake.....if you have the app, uninstall it.
I just did. Thankyou, I really appreciate it!
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We don’t have insurance on our house. It is a semi-old farmhouse. The last house we owned we were constantly having to do things to make the insurance company happy.
In the house we live in now, we heat it with wood 100%, and insurance companies really ding you for that. There are also many things we’d have to update in the house or do away with if we were to get insurance on it. We are pretty happy without it.
This year they almost doubled my MIL’s home owners insurance so she dropped hers as well.
Do as you see fit, but if your house burns down, all you have left is a vacant lot (with ruins that have to be cleared off before you can rebuild, all out of one's own pocket).
Here's an example of what happens when you don't have insurance:
https://wchstv.com/news/local/powerball-winner-jack-whittakers-home-in-virginia-destroyed-by-fire (https://wchstv.com/news/local/powerball-winner-jack-whittakers-home-in-virginia-destroyed-by-fire)
Surely he could have afforded the premiums, but his life was one big train wreck in slow motion. Worst of all, his beloved granddaughter died under mysterious circuмstances and they didn't find her body for several days. He said he wished he had just torn up that lottery ticket.
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Ah, the price you pay for having a nasty dog.
Do not presume the dog is, or was even just momentarily, nasty. Perhaps the man was the instigator and a bit of a jerk.
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Do as you see fit, but if your house burns down, all you have left is a vacant lot (with ruins that have to be cleared off before you can rebuild, all out of one's own pocket).
Here's an example of what happens when you don't have insurance:
https://wchstv.com/news/local/powerball-winner-jack-whittakers-home-in-virginia-destroyed-by-fire (https://wchstv.com/news/local/powerball-winner-jack-whittakers-home-in-virginia-destroyed-by-fire)
Surely he could have afforded the premiums, but his life was one big train wreck in slow motion. Worst of all, his beloved granddaughter died under mysterious circuмstances and they didn't find her body for several days. He said he wished he had just torn up that lottery ticket.
We are aware of the risks.
12 years ago my parents bought the property that our house is on. They were going to tear it down. They bought the land for farming, not for the house. But my mom likes a good project. We moved in 5 years ago to an uninsured house and decided to keep it that way being aware of the risks. We are also aware of what crooks insurance companies can be too. There is no guarantee your insurance company will pay out when you need them to after a disaster. My husbands family found that out the hard way after losing a house that was insured.
Leaving your house uninsured is not something everyone should do. In many, even most cases it would be imprudent, I agree.
Thankfully my husband has built many houses, roofed many roofs, etc. For us to replace our humble little home in the country it would require a small loan for building materials and time to build it back up doing the work ourselves. We prefer that over some man at a desk telling us what we can and can’t do with our house over something that statistically is unlikely to happen.
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Ah, the price you pay for having a nasty dog.
The price you pay for intentionally using green (or any other) type is the presumption that you are a bit weird. I know, truly shocking in Traddieland! :laugh1:
I forget who else has contracted this weird habit (perhaps Incredulous?), but I assure you it produces an effect that, while a very minor thing, is not positive.
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We are aware of the risks.
12 years ago my parents bought the property that our house is on. They were going to tear it down. They bought the land for farming, not for the house. But my mom likes a good project. We moved in 5 years ago to an uninsured house and decided to keep it that way being aware of the risks. We are also aware of what crooks insurance companies can be too. There is no guarantee your insurance company will pay out when you need them to after a disaster. My husbands family found that out the hard way after losing a house that was insured.
Leaving your house uninsured is not something everyone should do. In many, even most cases it would be imprudent, I agree.
Thankfully my husband has built many houses, roofed many roofs, etc. For us to replace our humble little home in the country it would require a small loan for building materials and time to build it back up doing the work ourselves. We prefer that over some man at a desk telling us what we can and can’t do with our house over something that statistically is unlikely to happen.
I, too, was a bit concerned when I read that you and your husband did not have property insurance; however, after reading your recent post I can understand why you guys decided it best for you not to do so.
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Do not presume the dog is, or was even just momentarily, nasty. Perhaps the man was the instigator and a bit of a jerk.
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?
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I, too, was a bit concerned when I read that you and your husband did not have property insurance; however, after reading your recent post I can understand why you guys decided it best for you not to do so.
I probably should have included that bit of back story in my original reply to the OP so as not to give anyone encouragement to drop their insurance willy nilly.
If our house did burn down or get blown away in a Tornado it would be a real shame, but wouldn’t create a hardship that is insurmountable. Neither we or my parents have a whole lot invested in it. It would be a disaster to insure because we still have things like the old knob and tube wiring, heating that wouldn’t pass insurance codes, etc. But it works for us and we update as needed. We are also fortunate to live in a part of the US where community/family still comes to each others aide in times of disaster. It would be an old fashioned “barn raising.”
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Do not presume the dog is, or was even just momentarily, nasty. Perhaps the man was the instigator and a bit of a jerk.
Doesn't mean the dog should have bitten. A dog that bites should be put down for the most part, unless the person is a criminal that the dog bit. The owner should have kept the dog inside or in a fenced lot.
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We are aware of the risks.
12 years ago my parents bought the property that our house is on. They were going to tear it down. They bought the land for farming, not for the house. But my mom likes a good project. We moved in 5 years ago to an uninsured house and decided to keep it that way being aware of the risks. We are also aware of what crooks insurance companies can be too. There is no guarantee your insurance company will pay out when you need them to after a disaster. My husbands family found that out the hard way after losing a house that was insured.
Leaving your house uninsured is not something everyone should do. In many, even most cases it would be imprudent, I agree.
Thankfully my husband has built many houses, roofed many roofs, etc. For us to replace our humble little home in the country it would require a small loan for building materials and time to build it back up doing the work ourselves. We prefer that over some man at a desk telling us what we can and can’t do with our house over something that statistically is unlikely to happen.
City people can't understand this. Agree with you there.
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Doesn't mean the dog should have bitten. A dog that bites should be put down for the most part, unless the person is a criminal that the dog bit. The owner should have kept the dog inside or in a fenced lot.
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.
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You’d better hope that nobody gets hurt on your property and home.
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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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City people can't understand this. Agree with you there.
Very common in rural farming/ranching communities.
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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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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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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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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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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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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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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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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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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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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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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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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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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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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'm not so sure it is as much the state requiring it, as it is the mortgage lender or other lien holder.
I'm not sure any state requires homeowner's insurance if the home is owned free and clear, however, some HOAs and similar developments may require it.
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I'm not so sure it is as much the state requiring it, as it is the mortgage lender or other lien holder.
I'm not sure any state requires homeowner's insurance if the home is owned free and clear, however, some HOAs and similar developments may require it.
Homeowners is required in my county, township, and HOA. It doesn’t matter if you own free and clear. If something happens related to your home and property and you lack insurance, you’ll be sued out of existence.