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Cow Attack Insurance
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<blockquote data-quote="TexasRancher" data-source="post: 1812964" data-attributes="member: 8359"><p>At some point I believe people living in Florida and coastal areas will "smarten up" and "give up" with insurance altogether and flock towards being self-insured if they don't have a mortgage. Once people start flocking out of expensive homeowners insurance, which they are already..... prices will increase for the rest of the nation....which is happening. I ran the calculations and risks 5 years ago when my premuim encroached $2,000./yr even while increasing my deductible and wind/hail to the max 5 to 7%...so we said our good byes. Self-insurance works better for me, I can fix or replace my home or barn. Hail is no big deal. I'm ready to install one of those lifetime metal roofing systems whenever I need too. Tornadoes are rare here, home is good for 140 to 160 MPH, is mostly fire-resistant and wired/plumbed/plumbing done right....no banked-embankment landslides either.</p></blockquote><p></p>
[QUOTE="TexasRancher, post: 1812964, member: 8359"] At some point I believe people living in Florida and coastal areas will "smarten up" and "give up" with insurance altogether and flock towards being self-insured if they don't have a mortgage. Once people start flocking out of expensive homeowners insurance, which they are already..... prices will increase for the rest of the nation....which is happening. I ran the calculations and risks 5 years ago when my premuim encroached $2,000./yr even while increasing my deductible and wind/hail to the max 5 to 7%...so we said our good byes. Self-insurance works better for me, I can fix or replace my home or barn. Hail is no big deal. I'm ready to install one of those lifetime metal roofing systems whenever I need too. Tornadoes are rare here, home is good for 140 to 160 MPH, is mostly fire-resistant and wired/plumbed/plumbing done right....no banked-embankment landslides either. [/QUOTE]
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