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Old 05-04-2022, 10:18 AM  
Donger Donger is online now
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Home Insurance Premiums
Has anyone else seen their home insurance premiums jump dramatically over the last year? Mine increased 30%...

I Hate Big Insurance.
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Old 05-04-2022, 11:38 AM   #2
HemiEd HemiEd is offline
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Yes, and it is not just something of late. I have noticed over the last decade plus that insurance companies get you with an attactive home insurance rate, then after a couple years start jacking it.

I guess they think people are too lazy to change, but I am not. In the 11 years we have owned this place, we have had State Farm, Farmers, Travelers and now Allstate. I have Allstate on a short leash, as they jacked it on their second year.
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Old 05-04-2022, 12:05 PM   #3
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Lower gas prices and I bet your insurance premiums go down, asshole
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Old 05-04-2022, 12:27 PM   #4
Hog's Gone Fishin Hog's Gone Fishin is offline
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I started a thread the other day about insurance ,I changed to a new carrier and went from $3000/year to $1300 per year.
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Old 05-04-2022, 12:33 PM   #5
Monticore Monticore is offline
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Originally Posted by Donger View Post
Has anyone else seen their home insurance premiums jump dramatically over the last year? Mine increased 30%...

I Hate Big Insurance.
Because our house is old the rebuild cost keeps going up and we have had insurance companies drop us and new ones have increased the price , had to change insurers again this year price went up about 25% this year (10k now) the rebuild cost went from 2.5 to 3.8 million in 1 year wtf, we need monitored fire alarm and no flood insurance with the deductible at 5k so mostly never going to get used.

I am not a big fan of insurance companies.
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Old 05-04-2022, 12:36 PM   #6
Coochie liquor Coochie liquor is offline
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Almost seems like certain groups of people destroyed, vandalized, burnt down lots of homes, and businesses. Remember when we were told, “well they have insurance”? This is a derivative of all that social justice.
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Old 05-04-2022, 01:32 PM   #7
TEX TEX is offline
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Originally Posted by Donger View Post
Has anyone else seen their home insurance premiums jump dramatically over the last year? Mine increased 30%...

I Hate Big Insurance.
Yep. I have zero claims and still got a huge premium increase. I also have rental properties and those have risen to the point where they are comparable in price to owner occupied premiums now.
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Old 05-04-2022, 01:34 PM   #8
ChiTown ChiTown is offline
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Originally Posted by Hog's Gone Fishin View Post
I started a thread the other day about insurance ,I changed to a new carrier and went from $3000/year to $1300 per year.
Who is your carrier? I'm paying $7700/yr right now, and that's a bundled rate coupled with auto.
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Old 05-04-2022, 01:36 PM   #9
Rain Man Rain Man is offline
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Buy stock in home insurance companies. When inflation hits, housing values go up, and that means replacement costs go up, and that means that home insurance costs go up.

Of course, if interest rates go up then house values go down, so maybe that offsets it a bit.
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Old 05-04-2022, 01:47 PM   #10
neech neech is offline
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Originally Posted by Donger View Post
Has anyone else seen their home insurance premiums jump dramatically over the last year? Mine increased 30%...

I Hate Big Insurance.
Move out of that double wide Donger.
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Old 05-04-2022, 02:17 PM   #11
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Originally Posted by Coochie liquor View Post
Almost seems like certain groups of people destroyed, vandalized, burnt down lots of homes, and businesses. Remember when we were told, “well they have insurance”? This is a derivative of all that social justice.
Yeah, no. This is a reflection of the nutso housing market of the last couple years. Nothing more.
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Old 05-04-2022, 02:21 PM   #12
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Originally Posted by Hog's Gone Fishin View Post
I started a thread the other day about insurance ,I changed to a new carrier and went from $3000/year to $1300 per year.
Did almost the same from $2600.
Added auto, now mines less than $1100/yr.
Switched from Farmers to Hanover
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Old 05-04-2022, 02:21 PM   #13
Coochie liquor Coochie liquor is offline
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Yeah, no. This is a reflection of the nutso housing market of the last couple years. Nothing more.
Not the place for this discussion however.
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Old 05-04-2022, 02:22 PM   #14
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Probably save to assume the value of your home has increased by over 30% in recent years, no?
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Old 05-04-2022, 02:51 PM   #15
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Insurance is the biggest waist of money IF you never use it, BUT it's the best bargain ever if you DO need to use it. Having said that, When I got into the personal lines insurance business, 1994, I could write homeowners policies all day for $300 a year with a $250 dedt. I'm talking nice, $200,000 value homes with the best RC coverage. About 2001 rates started increasing, deductibles going up to the point they are now. If you remember, the average home in 1994 didn't have all the electronics they do now, Replacing roofing is over 4 times what it was in 1994. That's just a couple examples. 9/11 had a little to do with the increases as did all the burning, looting, etc of all the homes, businesses in the liberal run inner cities. If you have a loan on your property, you have to carry insurance, if you don't, you can go without. Most people don't though b/c they don't want to take the risk. My agency is an independent agency, meaning we have several companies. When a clients rates go up above normal, we usually have other companies that will save them money and we can rewrite them.
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