3 water claims - 1 vandalism - hose through the cat door at full speed -
water up 5 inches inside part of the house, 3/4 carpet removed; 1 broken
toilet tank upstairs in a townhouse, that ran ALLLLLLLLL day with asbestos
in the acoustic ceiling; 1 undersink hot water supply line that decided it
was old and tired. 1 fire claim - minor damage - just hassle; 1 liability
slip and fall at a party. Then there is the car insurance with the same
carrier that lowers the premium overall, which was nice to have when someone
decided that my front end was in their way.SIGH I love Allstate and AAA,
not the cheapest, but talk about no hassle - including setting me up with
somewhere to live and boarding for my cat.

And I are an insurance agent - altho life, health and disability - I
wouldn't sell casualty if it was the last job on earth.

With all the insurance I have - home, car, health, disability: I am ahead
about 20X for premiums paid vs. benefits received.

And I did take Allstate on for their replacement cost assessment, for which
they just lost a huge class action suit in California. Because it wasn't
going to cost no $200/ft to replace my single story, slab constructed house
in Sacramento. The deal we struck was they would write me a check for full
value if the house was a total, and I got to pocket the difference. All of
a sudden the replacement cost of the house changed to a way more reasonable
$130/ft and I would still come out ahead with primo everything.

So YEAH I know more than the average bear about insurance, altho not a whole
heck of a lot about plumbing. ;-)
--
Totus Tuus
Claudia (take out no spam to reply)
"default" wrote in message
...

Homeowner insurance from the cheapest carrier is a BIG gamble, in my 30
years of homeowner insurance experience. It has paid everytime to not
have
a hassle with the carrier.

Ok, I'm a little confused now... How many claims have you had to MAKE
in 30 years? It's my hope to go through my entire life without ever
having to
make a claim on my house insurance..

--Goedjn