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#1
Posted to alt.home.repair,misc.consumers,misc.consumers.house
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Home insurance rates increasing
AngryOldWhiteGuy wrote:
I'm in North Texas, near Dallas ). The house's value is about $140,000 - the dollar value they came up with to rebuild my home My quote was about $2,000 I've been insured with State Farm for my car for about 25 years, and combined with my house insurance for about 15 years. I pay about $1800 a year to insure two vehicles (car and pickup) each older than 10 years. We have a "no-fault" car insurance system here in Ontario. On a per-vehicle basis, the bill works out to $340 for bodily liability, $444 for accident benefits, $90 Direct compensation (property dammage), $74 Loss or Damage ($500/$1000 deductible). No drivers in the household under 25 years old. No accident claims for the past 20 years. As part of a combined policy, we pay $440 per year for house insurance. Replacement value of house is about $200k (market value is about $300k). Deductible might be $5 or $10k. No mortgage insurance (house is fully paid for). House insurance premiums has been flat for years - I think it's always been between $420 and $450 for the 15 years I've had it. Car insurance has gone down maybe $100 per vehicle over the past 3 years (might have something to do with some changes to our laws). |
#2
Posted to alt.home.repair,misc.consumers,misc.consumers.house
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Home insurance rates increasing
"Up here in Canada" wrote in message
... AngryOldWhiteGuy wrote: I'm in North Texas, near Dallas ). The house's value is about $140,000 - the dollar value they came up with to rebuild my home My quote was about $2,000 I've been insured with State Farm for my car for about 25 years, and combined with my house insurance for about 15 years. I pay about $1800 a year to insure two vehicles (car and pickup) each older than 10 years. We have a "no-fault" car insurance system here in Ontario. On a per-vehicle basis, the bill works out to $340 for bodily liability, $444 for accident benefits, $90 Direct compensation (property dammage), $74 Loss or Damage ($500/$1000 deductible). No drivers in the household under 25 years old. No accident claims for the past 20 years. As part of a combined policy, we pay $440 per year for house insurance. Replacement value of house is about $200k (market value is about $300k). Deductible might be $5 or $10k. No mortgage insurance (house is fully paid for). House insurance premiums has been flat for years - I think it's always been between $420 and $450 for the 15 years I've had it. Car insurance has gone down maybe $100 per vehicle over the past 3 years (might have something to do with some changes to our laws). What is the value of your cars On 10+ year cars, it's usually a waste of money to have collision. You can put that money in the bank for your next car. |
#3
Posted to alt.home.repair,misc.consumers,misc.consumers.house
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Home insurance rates increasing
On Sun, 3 Mar 2013 15:27:59 -0600, "Attila Iskander"
wrote: "Up here in Canada" wrote in message ... AngryOldWhiteGuy wrote: I'm in North Texas, near Dallas ). The house's value is about $140,000 - the dollar value they came up with to rebuild my home My quote was about $2,000 I've been insured with State Farm for my car for about 25 years, and combined with my house insurance for about 15 years. I pay about $1800 a year to insure two vehicles (car and pickup) each older than 10 years. We have a "no-fault" car insurance system here in Ontario. On a per-vehicle basis, the bill works out to $340 for bodily liability, $444 for accident benefits, $90 Direct compensation (property dammage), $74 Loss or Damage ($500/$1000 deductible). No drivers in the household under 25 years old. No accident claims for the past 20 years. As part of a combined policy, we pay $440 per year for house insurance. Replacement value of house is about $200k (market value is about $300k). Deductible might be $5 or $10k. No mortgage insurance (house is fully paid for). House insurance premiums has been flat for years - I think it's always been between $420 and $450 for the 15 years I've had it. Car insurance has gone down maybe $100 per vehicle over the past 3 years (might have something to do with some changes to our laws). What is the value of your cars On 10+ year cars, it's usually a waste of money to have collision. You can put that money in the bank for your next car. That's true long before 10 years, though things are changing, given the prices of new cars and the sinking economy. Used cars are becoming more valuable. However, the point of any insurance is to cover what you can't afford to lose. The car's age, or worth, isn't a direct factor (only to the extend of whether you can afford...). Only a fool insures what he can comfortably afford to lose (and that *may* be a 10-YO car). |
#4
Posted to alt.home.repair,misc.consumers,misc.consumers.house
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Home insurance rates increasing
kr williams @ att.net wrote:
I pay about $1800 a year to insure two vehicles (car and pickup) each older than 10 years. On a per-vehicle basis, the bill works out to $340 for bodily liability, $444 for accident benefits, $90 Direct compensation (property dammage), $74 Loss or Damage ($500/$1000 deductible). What is the value of your cars On 10+ year cars, it's usually a waste of money to have collision. You can put that money in the bank for your next car. That's true long before 10 years, though things are changing, Did you not read what I wrote? Look at the fraction of my insurance premiums that actually cover damage or loss of the vehicles, vs what I'm paying for bodily injury / accident benefits. I'm paying pretty close to the minimum to actually cover loss/damage to the car, and I think I have the highest deductible available. |
#5
Posted to alt.home.repair,misc.consumers,misc.consumers.house
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Home insurance rates increasing
On Tue, 05 Mar 2013 09:25:55 -0500, Up here in Canada
wrote: kr williams @ att.net wrote: I pay about $1800 a year to insure two vehicles (car and pickup) each older than 10 years. On a per-vehicle basis, the bill works out to $340 for bodily liability, $444 for accident benefits, $90 Direct compensation (property dammage), $74 Loss or Damage ($500/$1000 deductible). What is the value of your cars On 10+ year cars, it's usually a waste of money to have collision. You can put that money in the bank for your next car. That's true long before 10 years, though things are changing, Did you not read what I wrote? Yes, HomoGay, as painful as that was. Obviously you can't think. Look at the fraction of my insurance premiums that actually cover damage or loss of the vehicles, vs what I'm paying for bodily injury / accident benefits. Proof positive. I'm paying pretty close to the minimum to actually cover loss/damage to the car, and I think I have the highest deductible available. Yes, HomoGay, I believe you're that stupid. No need to shout it from the rooftops. |
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