Oklahoma Nesties
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I need to b!tch about house insurance

Why the eff does it have to increase every year?  When we got our bill last January, it had increased by ~50%!! So we shopped around and switched companies, saving us a ton of $$.  We got our renewal statement/bill yesterday.  Guess what??  IT INCREASED!  This time by less than $300, but still----that's $300 we weren't planning on spending.  Our agent said it's because of the storms last year, that there was a state-wide increase, and that she'll go over our policy to double check it.  So....should we just plan for an increase every year?  Is there ever going to be a year when we don't have a lot of crazy weather?  No, because we're in freaking Oklahoma!!  Ridiculous.

Vent over.  For now.
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Re: I need to b!tch about house insurance

  • I hear ya.  This happens every freakin year, but they have you against a wall. What can you do?  

    I also hate that my car insurance magically goes up all the time.   

  • image WendyToo:

    I hear ya.  This happens every freakin year, but they have you against a wall. What can you do?  

    I also hate that my car insurance magically goes up all the time.   

    I know, I can't do anything about it and I freaking hate that! Griping makes me feel a little better though haha. Our auto insurance pretty much stays the same, so I suppose I should be thankful for that.
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  • I am with you lady. I nearly died when we got our bill this summer and saw that it had doubled.  Then, when I called our agent they totally acted like it wasn't that big of a deal, bastards.  But yes, you should count on it increasing every year.  Auto insurance too.  I haven't had a ticket, a wreck, and drive a HYUNDAI ELANTRA and my insurance still increases.  The only thing I can recommend is to make sure you have a high deductible. Keeping in mind - the deductible related to wind storms, hail, most Oklahoma crap is based on a certain percentage of your dwelling and has nothing to do with your actual deductible.  So, you can have a $5k deductible (which should lower your premiums) for the other stuff because the other stuff doesn't usually happen here.

    I got rid of my fast a$$ BMW to "save" money on gas and insurance - the only place I have saved is gas. My car insurance actually INCREASED when I got my Elantra.  It is bullsh!t.

     

  • No home insurance here, but my parents have b!tched about how it's been increasing. They've been pretty fortunate to avoid any damage to the house the past few years that bad storms and flooding have rolled through, but still sucks.

    As for car insurance...don't even get me started. Our premiums have gone up every year as well, and we pay more to insure H's vehicle in CO. A reason why I don't want to get a new car right now [even though we'll need one soon] is because once we move to CO at the end of the year, I know our insurance is gonna go up again. Blah.

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  • Ours increased slightly too, but luckily it wasn't anything crazy. So I'm unconcerned and happy with the company we're with (Liberty Mutual).
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  • image OSUWifey09:

    No home insurance here, but my parents have b!tched about how it's been increasing. They've been pretty fortunate to avoid any damage to the house the past few years that bad storms and flooding have rolled through, but still sucks.

    As for car insurance...don't even get me started. Our premiums have gone up every year as well, and we pay more to insure H's vehicle in CO. A reason why I don't want to get a new car right now [even though we'll need one soon] is because once we move to CO at the end of the year, I know our insurance is gonna go up again. Blah.

    You might check into the sales tax rate for cars in co before you decide not to buy here. Last time I bought a new car (5 yrs ago), I lived in WA which had like a 9% sales tax rate, whereas it was 3.25% here at that time. My numbers are outdated, but it's worth looking into. That can make a big difference.  

  • image WendyToo:
    image OSUWifey09:

    No home insurance here, but my parents have b!tched about how it's been increasing. They've been pretty fortunate to avoid any damage to the house the past few years that bad storms and flooding have rolled through, but still sucks.

    As for car insurance...don't even get me started. Our premiums have gone up every year as well, and we pay more to insure H's vehicle in CO. A reason why I don't want to get a new car right now [even though we'll need one soon] is because once we move to CO at the end of the year, I know our insurance is gonna go up again. Blah.

    You might check into the sales tax rate for cars in co before you decide not to buy here. Last time I bought a new car (5 yrs ago), I lived in WA which had like a 9% sales tax rate, whereas it was 3.25% here at that time. My numbers are outdated, but it's worth looking into. That can make a big difference.  

    At one time, Oklahoma had the lowest sales tax rates on car purchases. 

  • image gingerfeathers:
    Ours increased slightly too, but luckily it wasn't anything crazy. So I'm unconcerned and happy with the company we're with (Liberty Mutual).
    We're also with Liberty Mutual and, overall, we've been very happy with them. It just ticks me off that insurance companies can raise premiums whenever they feel like it, for no reason at all, and with no warning. And this $297 increase is nothing compared to the $1,000+ increase Travelers threw at us last year so, while I'm still irritated, I'm not filled with rage like I was this time last year ;)
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