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Joined: Dec 2013
Posts: 2,629
Campfire Regular
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Campfire Regular
Joined: Dec 2013
Posts: 2,629 |
Prolly has something to do with the importation of criminals. Send a bill to Abbott. Hey Dumbass... It's not Abbott who opened the borders. I know you foam at the mouth at every thing related to Texas, but Biden is the root cause of the wetback invasion, as well as the inflation that caused insurance rates to soar. He didn’t do schit for three plus years, not a damn thing, now after Almost 4 years and during an election year he pretends to give a Schit. Sending unarmed NG troops to the boarder as a photo op phony show of force that proved to be less than useless. You know why your insurance is skyrocketing, you are just incapable of admitting that your Governor and your Bush Dynasty State Houses are useless as Tits on. Bore. BTW it's boar, like the kind of tits Walz has! You are boring with all your political hate! Bye, bye snow flake!
Last edited by Switch; 04/05/24.
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Joined: Jan 2016
Posts: 95,716 Likes: 2
Campfire Oracle
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Campfire Oracle
Joined: Jan 2016
Posts: 95,716 Likes: 2 |
You will own nothing, and you will be happy. That's what Buzztail and Gayghost and Houston_2 said.
Ecc 10:2
The heart of the wise inclines to the right, but that of a fool to the left.
A Nation which leaves God behind is soon left behind.
"The Lord never asked anyone to be a tax collector, lowyer, or Redskins fan".
I Dindo Nuffin
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Joined: Feb 2013
Posts: 21,801 Likes: 8
Campfire Ranger
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Campfire Ranger
Joined: Feb 2013
Posts: 21,801 Likes: 8 |
I am THERE now with the insurance BS. Got the bill for the house and outbuilding insurance today. Last year they went up to $3800 from about 2400 the year before. This year it damn near doubled. Over $6000 for the year. Never filed a claim. Never missed paying on time. AND they added a $250 "office fee" charge to every client they have. They explained that everyone got that charge to help keep their office open, and phones answered, etc. Okay. GFY. See how long you stay in business now.  That insurance cost has reached the point that I feel the extortion costs far outweighs the risk from my standpoint. They get the GFY phone call tomorrow. If Texas let fewer dangerous thieving criminals into Texas... The risks to insurance companies would be lower... and so would the insurance rates.
If you are not actively engaging EVERY enemy you encounter... you are allowing another to fight for you... and that is cowardice... plain and simple.
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Joined: Apr 2011
Posts: 69,264 Likes: 10
Campfire Kahuna
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Campfire Kahuna
Joined: Apr 2011
Posts: 69,264 Likes: 10 |
Insurance is a crazy deal.
A friend of ours shopped around locally for their farm/ranch policy and saved $20k(yr) by going to another agent. I remember the conversation quite well and they were a little hot about the 'deal' from the old agent!
We are just small time and our entire policy is only $4k per year and that is for $400-500k worth of 2 old rez houses. About the same as our property taxes.
My little bit of cow related stuff is under my parent's farm umbrella so that helps out some. Yep. Amazing how much you can save by shopping Ins Companies and Agents each year. I had State Farm for YEARS and got tired of their Bullschitt. Never filed a claim, but they kept raising their rates. Fuqk those Bastards.
Last edited by chlinstructor; 04/05/24.
"Allways speak the truth and you will never have to remember what you said before..." Sam Houston
Texans, "We say Grace, We Say Mam, If You Don't Like it, We Don't Give a Damn!"
~Molɔ̀ːn Labé Skýla~
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Joined: Oct 2021
Posts: 10,783 Likes: 2
Campfire Outfitter
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Campfire Outfitter
Joined: Oct 2021
Posts: 10,783 Likes: 2 |
Shop around before the GFY call. He better listen to this. Drop it and you might find it very hard to be accepted for a new policy, Folks south of the Interstate 10 corridor are really getting whacked. Like $4500/year to $12,200/year for a premium policy.
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Joined: Oct 2021
Posts: 10,783 Likes: 2
Campfire Outfitter
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Campfire Outfitter
Joined: Oct 2021
Posts: 10,783 Likes: 2 |
You will own nothing, and you will be happy. That's what Buzztail and Gayghost and Houston_2 said. Get help for yourself jag.
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Joined: May 2003
Posts: 13,380 Likes: 2
Campfire Outfitter
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Campfire Outfitter
Joined: May 2003
Posts: 13,380 Likes: 2 |
What is the name of the insurance company??
L.W.
"Always go straight forward, and if you meet the devil, cut him in two and go between the pieces." (William Sturgis, clipper ship captain, 1830s.)
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Joined: Apr 2011
Posts: 69,264 Likes: 10
Campfire Kahuna
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Campfire Kahuna
Joined: Apr 2011
Posts: 69,264 Likes: 10 |
What is the name of the insurance company??
L.W. Was wondering too. Sure sounds like those Crooked Bastards State Farm. But then again, that’s probably 95% of Insurance Companies and Agents.
"Allways speak the truth and you will never have to remember what you said before..." Sam Houston
Texans, "We say Grace, We Say Mam, If You Don't Like it, We Don't Give a Damn!"
~Molɔ̀ːn Labé Skýla~
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Joined: Dec 2013
Posts: 44,412 Likes: 7
Campfire 'Bwana
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Campfire 'Bwana
Joined: Dec 2013
Posts: 44,412 Likes: 7 |
Wait til you go free and clear. They wanted to raise mine by 5x! I said No Thanks. I'll self-insure. I can put a brand new roof for just a little more than a year's worth of insurance. Go 2 years? You're to the positive.
Last edited by local_dirt; 04/05/24.
Slaves get what they need. Free men get what they want. Rehabilitation is way overrated. Orwell wasn't wrong. GOA member disappointed NRA member 24HCF SEARCH
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Joined: Jun 2006
Posts: 16,394 Likes: 1
Campfire Ranger
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Campfire Ranger
Joined: Jun 2006
Posts: 16,394 Likes: 1 |
$1900 for workman's comp this year.
Last years paid out wages were between $500 and $1000 dollars - total!
Insurance is trying to become as large a ponzi scheme as Social Security!
I've always been a curmudgeon - now I'm an old curmudgeon.
~Molɔ̀ːn Labé Skýla~
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Joined: Feb 2007
Posts: 11,777
Campfire Outfitter
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Campfire Outfitter
Joined: Feb 2007
Posts: 11,777 |
Shop around before the GFY call. Yes. I did that several years ago and saved a lot.
NRA Patron
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Joined: Sep 2003
Posts: 23,451 Likes: 6
Campfire Ranger
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Campfire Ranger
Joined: Sep 2003
Posts: 23,451 Likes: 6 |
Was just commenting to the wife how much I have paid in insurance in my life, and have never made a single claim, outside of medical.
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Joined: Sep 2006
Posts: 1,268
Campfire Regular
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Campfire Regular
Joined: Sep 2006
Posts: 1,268 |
Im with Local dirt; been 2 years out of the clutches of the bastids, as liberating as no longer having a mortgage.
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Joined: Dec 2013
Posts: 44,412 Likes: 7
Campfire 'Bwana
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Campfire 'Bwana
Joined: Dec 2013
Posts: 44,412 Likes: 7 |
What is the name of the insurance company??
L.W. Was wondering too. Sure sounds like those Crooked Bastards State Farm. But then again, that’s probably 95% of Insurance Companies and Agents. Chl, they're all crooks. We have Citizens Insurance here in Florida, which comes through the State. It is referred to as the "insurance of last resort". They are trying to become un-sueable. Incredible. They are typically the best price. But, they are always trying to push you out of the pool.
Slaves get what they need. Free men get what they want. Rehabilitation is way overrated. Orwell wasn't wrong. GOA member disappointed NRA member 24HCF SEARCH
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Joined: Sep 2011
Posts: 45,193 Likes: 17
Campfire 'Bwana
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Campfire 'Bwana
Joined: Sep 2011
Posts: 45,193 Likes: 17 |
Barry, and other Texans.
How much of the increase do you folks think is due to those large fires.
Getting hard to get insurance here in Cali if you don't already have it. Many companies not writing new policies.
Friends finally built a nice home on 100+ acres they've owned up here for years. Had to insure it as a ranch/farm even though it's not, it's just a house on some land.
Our car insurance is up to $1200 for two vehicles every six months. And we don't live in the city where accident rates are much higher. (except for swimming Matrixes)
The desert is a true treasure for him who seeks refuge from men and the evil of men.
In it is contentment
In it is death and all you seek
(Quoted from "The Bleeding of the Stone" Ibrahim Al-Koni)
member of the cabal of dysfunctional squirrels?
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Joined: Aug 2004
Posts: 69,659 Likes: 14
Campfire Kahuna
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OP
Campfire Kahuna
Joined: Aug 2004
Posts: 69,659 Likes: 14 |
What is the name of the insurance company??
L.W. Was wondering too. Sure sounds like those Crooked Bastards State Farm. But then again, that’s probably 95% of Insurance Companies and Agents.
Molɔ̀ːn Labé Skýla!
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Joined: Aug 2004
Posts: 69,659 Likes: 14
Campfire Kahuna
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OP
Campfire Kahuna
Joined: Aug 2004
Posts: 69,659 Likes: 14 |
Wait til you go free and clear. They wanted to raise mine by 5x! I said No Thanks. I'll self-insure. I can put a brand new roof for just a little more than a year's worth of insurance. Go 2 years? You're to the positive. That's where I am. Ranch land and houses and all buildings are free and clear.
Molɔ̀ːn Labé Skýla!
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Joined: Oct 2021
Posts: 10,783 Likes: 2
Campfire Outfitter
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Campfire Outfitter
Joined: Oct 2021
Posts: 10,783 Likes: 2 |
Wait til you go free and clear. They wanted to raise mine by 5x! I said No Thanks. I'll self-insure. I can put a brand new roof for just a little more than a year's worth of insurance. Go 2 years? You're to the positive. This if you can with free and clear but don’t forget Liability Insurance,
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Joined: Oct 2021
Posts: 10,783 Likes: 2
Campfire Outfitter
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Campfire Outfitter
Joined: Oct 2021
Posts: 10,783 Likes: 2 |
Wait til you go free and clear. They wanted to raise mine by 5x! I said No Thanks. I'll self-insure. I can put a brand new roof for just a little more than a year's worth of insurance. Go 2 years? You're to the positive. That's where I am. Ranch land and houses and all buildings are free and clear. Any problems with fires and losing it all, possibly?
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Joined: Jun 2008
Posts: 18,495
Campfire Ranger
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Campfire Ranger
Joined: Jun 2008
Posts: 18,495 |
I paid cash for my home here in Colorado when I bought it in 2014. I didn’t insure it. I’ve had it for 10 years now, and have never had homeowners insurance on it. I’ll check out the prices of homeowners insurance every few years just to see where it’s at. Phuuk em’. I realize that it’s a gamble, and what’s at stake. I am fortunate. And I’ve been fortunate.
The county increased the taxable value of my home by 65% from last year to this year. That woulda required a considerable increase in the cost of a homeowners policy, if I’d had one. Again, phuuk em’.
May the good fortune continue.
Every day on this side of the ground is a win.
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