Sometimes too much to drink isn’t enough…

Got a notification of our homeowner’s insurance renewal today.

$1100.00-that’s how much it went UP!!!! And we didn’t even get an effin’ hurricane this year!

FML.

This entry was posted on Tuesday, December 29th, 2009 at 10:41 am and is filed under Angst (mine, kids', whoever wants it, come and get it). You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

17 Responses to “Sometimes too much to drink isn’t enough…”

  1. Pam Says:
    December 29th, 2009 at 11:07 am

    HOLY MOLY! That sucks!

    I pray we don’t get the same…

  2. wRitErsbLock Says:
    December 29th, 2009 at 11:20 am

    I suppose this means I should brace myself for a similar bundle of joy from my insurance provider?

    Afterall, my health insurance flat out dropped me effective Jan 1st. Why not have my home insurance eff me?

  3. LeeAnn Says:
    December 29th, 2009 at 11:33 am

    It’s times like this I’m glad to be a lowly renter.

  4. Mrs. Who Says:
    December 29th, 2009 at 1:24 pm

    Pam: I hope not…although we have USAA, and they’re pretty reliable. They’re usually not out to rape you.

    WB: I don’t know if your rates will go up. Ours went up after Ivan/Katrina, then went down last year. I just can’t believe how much it went up!!!!

    @ LeeAnn: *blows raspberry*

  5. Bou Says:
    December 29th, 2009 at 4:28 pm

    Crap. I have USAA. I was just going to call them and lower the value of my home. I wonder if it’s just now coming to you because you’re in Alabama… if it’s just now catching up with you. Mine went up to… 12 THOUSAND dollars a year, three years ago. I upped the hurricane deductible to 10% of the value of my home and brought it down to 6K. I think they still have the value of my home at what it was when the market was going ape crap crazy down here and hovels in the ghetto were going for 150K. I’m hoping to get it down to half that and lower my deductible.

    Now I think I shouldn’t bother…

  6. Mrs. Who Says:
    December 29th, 2009 at 4:38 pm

    Bou: 12K?????? You’re giving me apoplexy here. And yeah, I think you’re right about the ‘catching up’ aspect. It’s just so frustrating that you can’t seem to get ahead no matter HOW much effort you put into it.

  7. Bou Says:
    December 29th, 2009 at 8:42 pm

    No sh–, I said to my husband, “We’re going to lose our home over insurance…” Who in the hell has an extra $1000/mo? Not us, that’s for daggum sure. So I cranked up the deductible. Things seemed to settle in. I called and brought the value of my home down into a more reasonable realm and dropped my insurance by nearly 1/3. If I can get city water through here and get a daggum fire hydrant, my insurance will drop $750 a year. No kidding. My insurance and taxes per mo are more than my mortgage.

  8. Bou Says:
    December 29th, 2009 at 8:42 pm

    (That was today I brought it down nearly 1/3…)

  9. Bou Says:
    December 29th, 2009 at 8:50 pm

    BTW, in the State of FL, we all get penalized for who lives on the water. For instance, if Joe bag of Doughnuts has waterfront property and you live in Beulah, the same rates apply. It may cost less to rebuild in Beulah, but that is reflected in how much insurance you have to buy. So a 100K home in Beulah has reflected rates because of Joe as opposed to someone in Alabama who has a 100K home. Does that make sense?

    In Virginia, if you live in VA Beach, a mile from the water, your rates are higher than if you lived in Roanoke. If you had a 150K home in VA Beach, you pay more than the guy in Roanoke, and rightfully so.

    I think we can thank our developers for that. No way they want someone penalized for living on the coast… they can’t sell the American Dream of living on the water.

  10. Laura(southernxyl) Says:
    December 29th, 2009 at 9:51 pm

    Like the beaver said, it’s one dam thing after another.

  11. Quality Weenie Says:
    December 30th, 2009 at 10:05 am

    *rub, rub, rub*

    Up here in snow country, our home insurance isn’t even as much as your rates went up this year. And we have one hell of a policy too with only $500 dedecutable.

    Living in snow country benefit 1
    Living near bodies of water 0

    *giggle*

  12. Mrs. Who Says:
    December 30th, 2009 at 10:13 am

    Laura: I’m going to beat the shit out of that dam animal!!

    QW: Here, let me pass you some salt to rub into that wound. ;p It’s like Bou said…we have to pay for OTHERS who live near the water. We’ve made NO claims at all in the whole time we lived here (although it was only by the grace of God for Hurricane Ivan…we had around 40 or so trees on our property when Ivan came through. Many fell every-which-way around our house, but none fell on our house, carport, or shed.) But still…I hate, hate, hate cold weather. I lived one winter in Illinois with a three-year old and a newborn…hated every minute of it. Especially having to drive in an ice storm to get to the hospital because my baby was sick.

    So…it’s the price to pay to live in paradise, I guess!

  13. Theresa Says:
    December 30th, 2009 at 11:57 am

    *telling self not to bitch and moan when our homeowners insurance jumps a hundred bucks every year*

    That amount is simply astronomical. How does anyone afford to live down there??

  14. Mrs. Who Says:
    December 30th, 2009 at 4:27 pm

    Theresa: I wonder about comparing car insurance rates…would someone who lives in an icy/snow-driven winter pay more for car insurance than the folks down here? There have to be offsets somewhere, because we are just regular folk…we don’t have an extravagant house or cars or anything like that.

  15. Peter Says:
    December 30th, 2009 at 6:54 pm

    Well, we are a tad too hilly for good tornadoes, a half mile off a big lake and too far inland for hurricanes, too far east for typhoons and I don’t know of a fault line anywhere near. Hmmph, sounds like the homeowner’s insurance people ought to be paying me!

    Please not to tell ‘em about the ten to thirty-ood pounds of black powder I keep for my cowboy action ammo? kthnx.

  16. Mrs. Who Says:
    December 30th, 2009 at 9:37 pm

    Peter: As if I would tattle on you!! BTW, have you ever heard of ‘Gun Barrel City’ in Texas? If we ever have to move to TX because they secede, that’s where we want to live!

  17. Lemon Stand Says:
    December 30th, 2009 at 11:49 pm

    I was about to suggest USAA when I read that you already had it! Darn. I live in the Northeast and have been through blizzard’s, ice storms, hurricanes and tornadoes up here. I just had to go online and check our statement with them. Our house in just under $2000 a year and our vehicle insurance (for a 91 Camry, 98 Windstar and 01 Dodge Dakota) is slightly less for that for only collision not comprehensive. I don’t even want to know what it’s going to be when the next bill comes in. :(

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