deathvalleygrassmmmm

Subaru's ruined it for them.

if you are listed as a driver it is not considered permissive use. Permissive use is for non household members, with their own liability coverage being allowed to operate your vehicle.

sounds pretty close to mine, public school, gifted designation, extra curriculars and sports, 24 act not 100% on the GPA thing but they had fun in high school and did what they needed to do. Said they because I have twins that both got in.

Best advice that I got was to find out who the admission recruiter is for your area and talk to them about the best way to apply. Apparently these days you can apply without the ACT score or something, I wasn't really paying attention, but both got in!

whole foods Florist is cheap and they are good flowers! Been using them for a couple years now for school dances.

we just went with Sagesure with E&J out of Sulphur, they were easy to work with and saved us over where we were!

523hp around 4 seconds on the 0-60 it is the wife's car but it is the car I drive the most, we work together and take hers to the office mostt days

Make sure to wear a Tux... It is fancy up there.

The Duplantis brothers went to THE Lafayette High....

- paying off and going with all coverage but storm coverage

Carriers will likely not allow this path. All the carriers I write through will cancel the fire if you don't have wind coverage as well. If the risk is not properly insured they won't want the risk. Sure there may be a few carriers out there that do this, but unless you have enough cash in the bank to self insure there really are no great options out there.

ACV policies don't save as much money as you would have to come out of pocket for in the event of a loss. You would save a few hundred to a few thousand a year, but again you are assuming more risk.

The whole reason to have insurance, outside of the mortgage company or government requirement, is so that the risk is assumed by someone one other than yourself. If you have enough cash on hand to not have it and are fine parting ways with that cash should you have that total loss then I would say go for it! I currently pay a bit over 8k a year for my homeowners. Only reason I would ever make a claim would be in the case of a major loss, but many people out try to use their policies as a way to replace an old roof, so they don't have to pay for it, carriers are starting to crack down, and the rates are reflecting the market in our area. I know it sucks, but until people stop making claims for a thunderstorm to replace their 20 year old roof, we are going to continue to see these kinds of rates in our marketplace!

paid 44k last year and expecting an increase this year, freaking hate taxes.

If they do fall your home owners would kick in. It wouldn't cover the cost to remove the trees, and fences are going to be covered at ACV not replacement. Always a good idea to look up the owner through the tax accessor site and have that conversation prior to any storm. They may just tell you to F off, but it is worth a shot.