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Started By
Message
re: My homeowners premiums over the last 3 years
Posted on 12/12/24 at 8:46 am to lsupride87
Posted on 12/12/24 at 8:46 am to lsupride87
Man premiums seem so low a few years ago now 
Same exact boat. Triple what I was paying then feels like 100% more each year
Same exact boat. Triple what I was paying then feels like 100% more each year
0
Posted on 12/12/24 at 8:49 am to go ta hell ole miss
quote:
As a member of the insurance industry you should already know the source but the link is above.
I’m retired ????
Posted on 12/12/24 at 9:54 am to go ta hell ole miss
That’s a good source and great data points. However that is the whole P&C industry which includes auto, home, work comp, commercial, med mal, etc.
What do they show for homeowners? Most of the large carriers don’t write much property on the gulf coast. What does it say the profit has been for the gulf coast carriers?
What do they show for homeowners? Most of the large carriers don’t write much property on the gulf coast. What does it say the profit has been for the gulf coast carriers?
Posted on 12/12/24 at 10:02 am to lsupride87
There's a new agent in Baton Rouge I switched to and he was able to save me money on all 3 of my rental houses in BR without having to adjust coverage negatively. It was pretty sweet - he's got good options!
Posted on 12/12/24 at 10:24 am to lsupride87
quote:
Spoken like someone north of I-12….
I live in BR, a baseball throw or 2 away from I-10
quote:
I have worked with multiple different agents that shop ALL companie
You mean you worked with people who have to make money as well on top of your policy? How about you work directly with the insurance company. Who do you have auto insurance with? Check with the major companies and look to bundle everything.
Posted on 12/12/24 at 11:00 am to Riverside
quote:Meh. When stocks and bonds were both down big in 2022, that caused a bunch of knock on effects from investors that normally invest in the reinsurance market.
Perfect storm of inflation and a horrible legal climate.
Less money in the reinsurance market = "wider spreads", i.e. higher rates to compensate.
It's called a "hard market" and still has not sorted itself.
Hard market
Posted on 12/12/24 at 11:03 am to lsupride87
Could thing we elected an Insurance Commissioner who's "industry friendly". That will surely cause rates to go down.
Posted on 12/12/24 at 11:07 am to lsupride87
A couple years ago I almost bought a little house in metry
Kind of glad I didn’t. Yet another reason to leave this state
Kind of glad I didn’t. Yet another reason to leave this state
Posted on 12/12/24 at 3:58 pm to GreatLakesTiger24
I also have Sagesure in south Louisiana. 5,300>>>7,200>>>10,320 the last 3 years. I think it was 2800 five years ago. It’s really going to be unsustainable for the average family here. Think about How much that adds to your monthly budget
Posted on 12/12/24 at 5:27 pm to saderade
Why would you pay $10k/yr, just raise your deductible at that point. Frick giving them an extra $5k/yr, I’ll pony up when(if) I need to file a claim.
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