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Message
re: Homeowners insurance. Anyone got their new rates yet?
Posted on 11/19/25 at 7:52 pm to Demonbengal
Posted on 11/19/25 at 7:52 pm to Demonbengal
quote:
Anyone got there new rates yet?
got where new rates yet?
1
Posted on 11/19/25 at 7:53 pm to ChatGPT of LA
Some companies don't write in certain areas, what's the issue? It's called adverse selection.
I'd venture to guess it's not even Allstate, probably a clearinghouse company they write through.
Again, cite the crying ya dumb frick. Billions in claims get paid out annually.
I'd venture to guess it's not even Allstate, probably a clearinghouse company they write through.
Again, cite the crying ya dumb frick. Billions in claims get paid out annually.
Posted on 11/19/25 at 7:56 pm to Demonbengal
I'm with Sagesure - renewal came a couple months ago. $3 increase. I consider that a win
Posted on 11/19/25 at 7:59 pm to DCtiger1
quote:
Some companies don't write in certain areas, what's the issue? It's called adverse selection. I'd venture to guess it's not even Allstate, probably a clearinghouse company they write through. Again, cite the crying ya dumb frick. Billions in claims get paid out annually
His response to you was full of bullshite and stupidity. He still references flooding lol
Posted on 11/19/25 at 8:02 pm to jorconalx
It never fails on this board. Same people that bitch about claims because they don't know how their policies even work
This post was edited on 11/19/25 at 8:05 pm
Posted on 11/19/25 at 8:04 pm to Demonbengal
Live in S Mississippi
Progressive: Homeowners increase was 41%…Zero claims..no longer with Progressive
Progressive: Homeowners increase was 41%…Zero claims..no longer with Progressive
Posted on 11/19/25 at 8:40 pm to Demonbengal
Got it last week and it was up 25%. Had enough with the increases over the past six years.
Switched home and auto to Allstate that day and saved over 50% on my premiums for the same or better coverage for the next terms (1y/6mo).
Switched home and auto to Allstate that day and saved over 50% on my premiums for the same or better coverage for the next terms (1y/6mo).
Posted on 11/19/25 at 8:53 pm to Jor Jor The Dinosaur
Whose your carrier?
Posted on 11/19/25 at 9:00 pm to forkedintheroad
quote:
If you aren't shopping every 3-4 years for another carrier, you are overpaying.
Less for cars to be sure
Posted on 11/19/25 at 9:11 pm to DomincDecoco
Montgomery County, TX just north of Houston. Allstate policy for homeowners will go up $165.00, very happy.
Posted on 11/19/25 at 9:19 pm to duckblind56
Sage sure as well. Mine just went up 30%. Will be shopping
Posted on 11/19/25 at 9:19 pm to Demonbengal
It was progressive.
Posted on 11/19/25 at 10:24 pm to DoubleE
quote:
Live in S Mississippi
Progressive: Homeowners increase was 41%…Zero claims..no longer with Progressive
Ouch. I’m in Lamar County, too. I have State Farm and mine has been pretty much the same for three straight years. Maybe a small increase this year of $100. I’m bundled with them which helps.
Actually looking to move to the coast next year. Insurance is a big concern.
This post was edited on 11/19/25 at 10:27 pm
Posted on 11/19/25 at 10:31 pm to tygerfan1
My sage sure is jumping 21%. Surprised my dwelling limits only went up 5%.
Posted on 11/19/25 at 10:43 pm to WhiskeyTangoFoxtrot
Mine in Florida continues to go up. It’s on a predetermined upward scale to being unaffordable. It’s the one place I’d like to pay off and self insure. In Colorado it’s gone up slightly but not that much, it’s cheap compared other places. In Maryland it went up slightly, and it’s because we are too close to the water. Boise never seems to move much.
The driving force behind climate migration IMO will be insurance rates.
The driving force behind climate migration IMO will be insurance rates.
This post was edited on 11/19/25 at 10:49 pm
Posted on 11/19/25 at 10:47 pm to DCtiger1
quote:
Some companies don't write in certain areas, what's the issue? It's called adverse selection.
In those places the government seems to have a publicly subsidized company that operates as an insurance of last resort. I believe in Florida and and in Louisiana that company coincidentally is called Citizens Insurance. What’s wild to me that this government subsidized company is also a for profit company.
IMO property and health insurance should not be for profit. The govt steps in either way and takes the brunt of the expenses. Why we let private companies take from both the people and the government?
Posted on 11/19/25 at 10:54 pm to Demonbengal
State Farm, up 8% Auto/Homeowners bundled
Posted on 11/20/25 at 2:35 am to GeauxHead337
Shopping it now. Homeowners went up 58%.
Posted on 11/20/25 at 10:23 am to DCtiger1
quote:
Some companies don't write in certain areas, what's the issue? It's called adverse selection.
God youre dumb
Posted on 11/20/25 at 10:36 am to ChatGPT of LA
Yes, I'm the dumb one when you're continuing to reference flooding in regards to home owners insurance.
What exactly is dumb about giving you an explanation of why some companies won't write in certain areas?
Wind risk and adverse selection is the reason, including maximum sustained loss caps. Insurers have to purchase reinsurance, and they have caps on the max risk they can take in a particular state.
What exactly is dumb about giving you an explanation of why some companies won't write in certain areas?
Wind risk and adverse selection is the reason, including maximum sustained loss caps. Insurers have to purchase reinsurance, and they have caps on the max risk they can take in a particular state.
This post was edited on 11/20/25 at 10:40 am
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