Do you take it bareback?

[pdaddyII]

... from your insurance company? I'm sure all you coastal dwellers take a pounding. I'm shopping around for homeowners insurance and have actually been pleasantly surprised. 930/yr isn't bad for the size and price of the house we're getting.

I want to know how bad nan and rnch are being raped.

 

[cindylou]

Don't people living in those areas get discount federal insurance?

 

[Power Cord]

Don't u live in a poor scummy area?

 

[pdaddyII]

Not sure really. I just did a quick search and FL peeps were averaging ~2500/yr for like a 150k home. If there's federal aid in that it can't be that much.

 

[pdaddyII]

Don't u live in a poor scummy area?

The average home price in my neighborhood is 600K and more than half of the cities population has a bachelors level education. So to answer your question, no

 

[zwhit]

you finally decided on a house?

 

[shirlene29]

the demographic here is similar...I think higher education might be a higher percentage here
even the sanctimommies have masters degrees/post grad education

my home is valued at 450k per ins. its in Ct....my insurance is 1100 a year after the house fire...it was 850 a yr before the fire but was valued at 300k at the time of taking out the original policy.
my house isn't in a flood zone though there are quite a few in the area that are due to the farmington river.


cindy is thinking of flood insurance which has a federal twist to it but I dont remember the details

I will pass along this bit of advise regarding homeowners ins that was given to me by industry professionals post house fire (500k in damage)..do not ever get allstate or travelers...they wont pay...they will make your life miserable if you have to make a claim
I saw this to be true...there was another couple that had a fire similar to ours a couple of weeks before ours in the same town. They have travelers insurance. There home has still not started to be worked on and none of their belongings have been replaced.
We were told amica and usaa were the two best companies to have
We happened to have amica and they were at our home with a preloaded visa within hrs of the house fire...the agent didn't leave until we were all set with a hotel and things like toothbrushes and some clothes. he stayed until 10:30 at night.

 

[nangiggles]

... from your insurance company? I'm sure all you coastal dwellers take a pounding. I'm shopping around for homeowners insurance and have actually been pleasantly surprised. 930/yr isn't bad for the size and price of the house we're getting.

I want to know how bad nan and rnch are being raped.

My house is paid in full therefore there is no mandatory insurance to be had on the house, hence I dont have it, yes it was like 2400 a year or so including the screened in pool.

If you're wondering what happens if something happens to my house the answer is I'm fucked and I fix it myself

 

[pdaddyII]

you finally decided on a house?

Yes sir, we're closing in two weeks...fucking excited brah, not so excited about the extra expenses though

 

[jiggagold]

The average home price in my neighborhood is 600K and more than half of the cities population has a bachelors level education. So to answer your question, no

Link or ducktales

 

[nangiggles]

is it one of the pics you showed us pdaddy?

 

[pdaddyII]

the demographic here is similar...I think higher education might be a higher percentage here
even the sanctimommies have masters degrees/post grad education

my home is valued at 450k per ins. its in Ct....my insurance is 1100 a year after the house fire...it was 850 a yr before the fire but was valued at 300k at the time of taking out the original policy.
my house isn't in a flood zone though there are quite a few in the area that are due to the farmington river.


cindy is thinking of flood insurance which has a federal twist to it but I dont remember the details

I will pass along this bit of advise regarding homeowners ins that was given to me by industry professionals post house fire (500k in damage)..do not ever get allstate or travelers...they wont pay...they will make your life miserable if you have to make a claim
I saw this to be true...there was another couple that had a fire similar to ours a couple of weeks before ours in the same town. They have travelers insurance. There home has still not started to be worked on and none of their belongings have been replaced.
We were told amica and usaa were the two best companies to have
We happened to have amica and they were at our home with a preloaded visa within hrs of the house fire...the agent didn't leave until we were all set with a hotel and things like toothbrushes and some clothes. he stayed until 10:30 at night.

Yea, this sounds pretty similar to our demographics. That quote was through Costco/Ameriprise. I expect it to drop a bit too after we bundle our car insurance with them as well.

So when does your premium start lowering, or won't it?

 

[pdaddyII]

is it one of the pics you showed us pdaddy?

I posted pics in another thread, don't remember which one though, I'll have to look.

 

[WoodyO]

I pay about $2K/yr. for home owners. I don't do earthquake insurance or fire insurance. My homeowners went up drastically when I got my dog, since her breed was on a list of dangerous dogs in CA. My home had to be reinspected for proper sized fences and locking gates, as well as signs warning would-be criminals that a dangerous dog was in the yard. When she died last year, my rate stayed the same. My old rate was $1200/yr.

 

[nangiggles]

I pay about $2K/yr. for home owners. I don't do earthquake insurance or fire insurance. My homeowners went up drastically when I got my dog, since her breed was on a list of dangerous dogs in CA. My home had to be reinspected for proper sized fences and locking gates, as well as signs warning would-be criminals that a dangerous dog was in the yard. When she died last year, my rate stayed the same. My old rate was $1200/yr.

what breed is your dog? My dane is in that list eventhough danes are gentle as hell and are not aggressive at all

 

[WoodyO]

what breed is your dog? My dane is in that list eventhough danes are gentle as hell and are not aggressive at all

Mastino (or Neopolitan Mastiff)

 

[pdaddyII]

View attachment 74723View attachment 74733View attachment 74743View attachment 74753View attachment 74763View attachment 74773View attachment 74783

 

[pdaddyII]

The pictures really don't even come close to doing it justice.

 

[pdaddyII]

My house is paid in full therefore there is no mandatory insurance to be had on the house, hence I dont have it, yes it was like 2400 a year or so including the screened in pool.

If you're wondering what happens if something happens to my house the answer is I'm fucked and I fix it myself

Shit, that would make me nervous as hell. Do you have medical?

 

[pdaddyII]

I pay about $2K/yr. for home owners. I don't do earthquake insurance or fire insurance. My homeowners went up drastically when I got my dog, since her breed was on a list of dangerous dogs in CA. My home had to be reinspected for proper sized fences and locking gates, as well as signs warning would-be criminals that a dangerous dog was in the yard. When she died last year, my rate stayed the same. My old rate was $1200/yr.

WhyTF haven't your rates changed since no longer having the dog??

 

[WoodyO]

WhyTF haven't your rates changed since no longer having the dog??

Cause insurance companies are greedy scum.

 

[nangiggles]

Shit, that would make me nervous as hell. Do you have medical?

I do indeed, my home is mostly concrete with a metal roof so it's pretty sturdy, back in CR insurance isnt something people have or barely even sell so I do get paranoid but not so much, it is hurricane season now, lol lovely, with my luck one of these 4 oaks in front will fall on the house

Very well done on the house, it has some dated things like wallpaper, stair railings, etc but all that is incredibly easy to replace, you have wonderful lighting and windows, nice structure, moldings, great kitchen layout, very nice is it my imagination or the island granite doesnt match the counter tops granite? also there's like an office desk like area in the kitchen... interesting, any bathroom pics?

 

[shirlene29]

View attachment 74723View attachment 74733View attachment 74743View attachment 74753View attachment 74763View attachment 74773View attachment 74783

house is beautiful

my kitchen is the same with the counters...but soapstone on the outside and white marble on the island

lot of people have commented on it
my homeowners only went up, never went down
my auto ins was bundled in from the get go...then we had the huge claim
Im surprised it didnt go up more

 

[nangiggles]

one of my few perks in life is not having an HOA

 

[zwhit]

is that the house with the 7 acres?

 

[shirlene29]

the cherry built-ins in the office/library are beautiful
I just noticed the formal living room and foyer are the same color as my formal living room and foyer...just half the size
that sunroom blows my sun room out of the water tho...and I love the classic center hall colonial layout over my crazy contemporary..it never goes out of style

gorgeous choice pdaddy

 

[pdaddyII]

the cherry built-ins in the office/library are beautiful
I just noticed the formal living room and foyer are the same color as my formal living room and foyer...just half the size
that sunroom blows my sun room out of the water tho...and I love the classic center hall colonial layout over my crazy contemporary..it never goes out of style

gorgeous choice pdaddy

Thanks! Yea it has a conial layout but still has a contemporary feel with 10ft ceilings throughout except for the sunroom and living room of course. The master suit is ridiculous, that's 1200sq ft by itself broken into 4 separate rooms (bedroom, sitting room, bathroom, closet).

Zwhit, no this is a different house. It sits on an acre with nothing but trees behind us for about a half mile if not more.

 

[PICK3]

Do you take it bareback?

yes

 

[pdaddyII]

yes

wtf?!

 

[-SD-]

"Ohh look at me, Im a fucking home owner"

 

[PICK3]

"Ohh look at me, Im a fucking home owner"

and i bang an M.D.

and i'm becuming a CRNA

 

[kx250rider]

It depends on the state (likelihood of liability suits), and of course whether you're in storm, flood, or fire zones.

Our Dallas house has a normal homeowner policy (liability+fire+burglary+storm), no flood coverage needed, and it's about $1100/year with a $5000 deductible. We're with USAA. The rebuilding cost would be about $250k, if it were a total loss including contents and 6 months rent in an apartment while it's being rebuilt.

Charles

 

[mistaballoonhands]

I'm shocked that nan thinks her sturdy concrete house with a tin roof in hurricane land doesn't need insurance. Shocked.

 

[shirlene29]

It depends on the state (likelihood of liability suits), and of course whether you're in storm, flood, or fire zones.

Our Dallas house has a normal homeowner policy (liability+fire+burglary+storm), no flood coverage needed, and it's about $1100/year with a $5000 deductible. We're with USAA. The rebuilding cost would be about $250k, if it were a total loss including contents and 6 months rent in an apartment while it's being rebuilt.

Charles

wow...I feel less ass raped on my policy now
2500 deductible
400 somethin k on dwelling
150k on personal contents
150k loss of use (rental and all rental expenses)
1 mill liability
no flood,
liability, fire,theft/vandalism, storm, mold and sewer covered

 

[nangiggles]

I'm shocked that nan thinks her sturdy concrete house with a tin roof in hurricane land doesn't need insurance. Shocked.

I know it needs it, but since my term is 15 yrs and not 20 or 30 then I cant fully afford yet, in case it's not clear my hole fucking stay here has been a broke ass cluster fuck

 

[mistaballoonhands]

I know it needs it, but since my term is 15 yrs and not 20 or 30 then I cant fully afford yet, in case it's not clear my hole fucking stay here has been a broke ass cluster fuck

Lol so say, this shits digging expensive an not my highest priority at the moment, knot "I have a metal roof that stares down 'canes before thru even make landfall."

 

[nangiggles]

Lol so say, this shits digging expensive an not my highest priority at the moment, knot "I have a metal roof that stares down 'canes before thru even make landfall."

It's what I tell myself during storms STFU

Sent from my VM670 using EliteFitness

 

[SpyWizard]

for another $125 a year i get a $1,000,000 liability policy that even covers slander..

 

[kx250rider]

for another $125 a year i get a $1,000,000 liability policy that even covers slander..

I forgot to mention on the homeowner policy; it also has a $1M liability as a requirement for the umbrella policy that protects us from bigtime crooks that could go after us for all kinds of stuff related to the business in SoCal. That's the problem with umbrella policies; you have to keep super-high limits of liability on all your insurance for cars, homes, and regular business and commercial policies. It adds up! The umbrella itself is not too much though. For those who aren't familiar, the umbrella takes up any losses for liability above whatever the base policy stops at. For instance; I accidentally spill a chemical in a bin of avocados, and 100 people sue, or if I crash into a school bus, and the claims are over my liability auto policy, God forbid, etc. etc.

But don't get any ideas, anyone out there in cyber-public... the umbrella policy will hire hard-ass lawyers to fight back and drag it out for years and years before they would ever pay out .

Charles

 

[Typo]

The average home price in my neighborhood is 60K and more than half of the cities population has no education. So to answer your question, yes

Nice life