HELP!! INSURANCE TRIPLED !! ANYONE HAVE IDEAL WHERE TO GO ??

[cnn7]

Hi People. Need your advice. My homeowners has gone from $355 a year to $961 a year. Sorry but thats B*!! S#!(. So i'm hoping one of you may have some place you go that has great rates. Not this get rich over night ****. I live in Davenport, Iowa. the phone book is loaded with insurance's, and it seems to take an hour just to get a quote from each one. Can anyone help ! :confused:
Can't stand to look at that bill again:eek: :eek: :eek:
and I really don't want to talk to that agent anymore:mad: :mad:
and I'm just about ready to till them all to :-@ my *****
Thanks for just looking here though :D

[Steve R Jones]

Think you got it bad:

"DALLAS -- Homeowners actually risk losing their insurance coverage when they call their insurance agents.[/b]"

[cnn7]

Originally posted by Steve R Jones
Think you got it bad:

"DALLAS -- Homeowners actually risk losing their insurance coverage when they call their insurance agents." [/B]

Why is that ? I had a friend that just moved back from Dallas. He had two little stores called Jerry's Mart. I think thats what he said he called them.
But. again it's a matter of someone getting rich at our expense. Sounds like your ok untill you need to draw on the money pile then they can you. It's isn't that bad here yet. I called another insurance company, waiting for the qoute. Plus a friend at work gave me a lead. But I just get tired of all the BS in insurance. I'm guessing in a few years we'll have to get insurance for each item in our homes.
My allstate sent an exclusion that has been amended. more or less they changed coverage. alot of stuff that was covered is now not covered. but still felt an increas was needed. what a joke.

[Bovon]

Sorry to hear about your insurance problems, and I don't want to sound like a defeatist by any means...but, man...you ain't seen nothing yet!.

If you have the option, try a larger copay.. I forget whats its actually called right now, but if you have a claim you pay more of the cost...deductable?..is that it?...I think so.

My insurance has gone up yearly now for several years..not just home owners either...medical insurance has gone thru the roof in the past two years.

About all of the solvent insurance companies that have survived the storms as well as Sept. 11 2001 have had huge preimum increases in the past couple of years...if its just now getting to you, maybe you should count yourself lucky. I kinda doubt you will find a company that can (or will) beat the one you now have.

[TARP2]

My insurance is going up as well, it is advisable to try different agencies for a better rate. I will find a more affordable rate.

Like Bovon advised, watched the co-pay(or/and deductible)

[pmasley]

CNN:

Not to be specific, but call Liberty Mutual, Progressive, Travelers or Encompass (Use to be CNA). These are well known companies and their rates appear to be competitive. State Farm appears to be one of the highest.

One thing that I have found out is to place your house and your car with the same company. Doing it this way will get you a discount. I have my house insured for $150K and a Ford F150 4X4 and a Jeep Grand Cherokee Larado with full coverage and high liability coverage (with Liberty) and the cost is just under $2,000 a year. The house insurance is just under $800 and has not risen in over three years.

Now, I want to point out, I am not an agent, just an adjuster. I do not understand a 200% rate increase in one year. Something is wrong with that picture. You need to check it out.

Paul.

[Someone Stupid]

At least they aren't talking about cancelling insurance, INCLUDING FEMA where you live. I live in southern Louisiana, it's been said that if the two storms this fall had hit a month or two apart instead of just a week or so - the rest of the insurance companies would have pulled out for car and home insurance.

This is all thanks to the oil companies destroying the bloody coast more than anything.

[cnn7]

Originally posted by pmasley
CNN:

Not to be specific, but call Liberty Mutual, Progressive, Travelers or Encompass (Use to be CNA). These are well known companies and their rates appear to be competitive. State Farm appears to be one of the highest.

One thing that I have found out is to place your house and your car with the same company. Doing it this way will get you a discount. I have my house insured for $150K and a Ford F150 4X4 and a Jeep Grand Cherokee Larado with full coverage and high liability coverage (with Liberty) and the cost is just under $2,000 a year. The house insurance is just under $800 and has not risen in over three years.

Now, I want to point out, I am not an agent, just an adjuster. I do not understand a 200% rate increase in one year. Something is wrong with that picture. You need to check it out.

Hey Thanks all. I been checking my papers and 2000-2001 my home was $257 then went up what 40% in 2001 -2002 to $355 and then did the super screw in 2002-2003 to a nice $961 now like computers other info. I've never had a claim on home insurance and neither wife nor I have had any brushes with the auto insurance in 15 years no tickets or wrecks. just been mining my own bus. So you can rest assured last thing I wanted to hear is miss jones had troubles so we have to raise your insurance to cover it. hey raise there insurance not mine.
Paul. :t

[Bovon]

Originally posted by Someone Stupid
This is all thanks to the oil companies destroying the bloody coast more than anything. Interesting concept...off shore oil drilling has some control and/or affect on hurricane direction. Is the National Weather Service aware of this?

[Someone Stupid]

No, it was in shore marsh drilling, there are countless channels that oil companies made in their search for oil, they never filled them back up, this is the leading cause of saltwater intrustion. The offshore refineries have nothing to do with this, the is circa 50's to 80's oil exploration that really made this a mess. Thanks to the notorious corruption in this state, everytime a trail gets going on this and having them clean up the mess, it invariably winds up disappearing for some "legal" reason or another. Not to mention all senators from LA back the oil industry like hell, so does the governor (and one former one is in jail, along with 3 insurance commisioners in a row) - so nothing ever is done about it. The north of the river (east in New Orleans) is a water trap due to the mississippi river levee being higher than the lake's levee thanks to the ingenious corps of engineers (three months to drain new orleans after a cat 3 hurricane on the right track and speed unless they BLOW UP the lake flood walls, even then it's still a couple weeks). The south side is losing more of it's protection from the oil companies and the restricting the flow of the mississippi river to where it no longers sweeps left and right over time like it did historically (over thousands of years), thus the barrier islands don't get built back up.

Now the EPA and the Corps are thinking of using LA as a dumping ground for old vessels to use as barriers (so to speak, even though even a supertanker would nearly completely sink within months in the mud going by independent studies, thus rendering it useless as the huricane would tear it apart in semi open waters, and in protected waters, it would just sink and act as a **** poor breakwater). They want to do this with 400 vessels because they can't send them oversea's to be scrapped (over here it's too expensive, lead paint, asbestos, etc), so they want to dump it in our water. ****ing great idea from the corp and the EPA.

Independent studies have shown that if the core were to put flood gates in the mississippi flood wall and the lake wall, drainage would be eased greatly and the city instead of experiencing THIRTY feet of water from that cat 3 would only experience 5. But the corps, going on engineering models from the SEVENTIES says it wouldn't work while modern computers (not slide rules here) and millions poured in through several independent studies started in the late 90's and ended in early and mid 2002 have said the otherwise (One is still ongoing, but says they agree with the results from the other two studies thus far). Now the corps is agreeing to put in flood gates (for water outflow, not traffic) in the levee's being built south of the river (west) - yet they haven't said how big, nor how many, or where - so it's probably going to create another big bowl like new orleans with no natural drainage.

Not to mention Bush has frozen over half the spending on flood projects for New Orleans (most are nearly done) and the surrounding area. I'm guessing he's just waiting for the LA coastline to disappear completely since the Strategic Oil reserve is spitting distance from the gulf, that would increase his families fortunes immensely.

So Bovon, while incredibly whitty your comment may have seemed, it is in fact awfully stupid.

[causticVapor]

That is unfortunate. It's one reason I always like to live in higher elevations instead of a **** floodplain with barriers dictated by ulterior-motive bureaucrats. Fortunately, Germany is a little bit more stringent on environmental compliance instead of letting cities become cesspools and eventually very unclean Venices.

Here in Hberg the neckar always floods -- and my house is fortunately a few meters above the normal maximum level. Heidelberg is a low-altitude place where all the weather, pollution, and heat converges in a great cyclone and simply sits. I'm a person who can't live without adequate ventilation -- it's just not a possibility.

When I graduate, I'm moving to either the Rockies, Urals, Alps, Appalachians or Himalayas. High altitudes give better views anyway. :D

[TARP2]

So Bovon, while incredibly whitty your comment may have seemed, it is in fact awfully stupid.

You type a lot for some one that can not spell.