Nope, but I did skip a page.
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Nope, but I did skip a page.
Flood insurance isn't an issue for me, either, though it sounds like your rates are considerably higher, anyways. My house cost a bit more (though it all depends on the date of purchase for the last decade, or so), but I think my insurance is less than half as much. I seem to remember being surprised at how low it was.
Perhaps it is all the other inclement weather you get down there, especially those over-zealous tropical lows that occasionally hit the area. There is no bad weather to speak of out here, so as long as the fires stay out in the sage brush, all is well.
Unfortunately what a lot of knock-off insurance brands did was go into towns and rewrite people dwelling 1 policies with a wild fire exclusion clause. Then when those major fires that happened 2 years ago, those that decided to go with the lower premium/knock-off brand where left to hang out for wolves to get them.
They also did that to a lot of towns in tornado alley and other places that are prone to tornados like Joplin, MO.
The whole reason why I stay in insurance is because I get to help people everyday. In fact, something that happened recently, a man who worked with my grandfather for decades came in because lighting struck his house and burnt it to the ground. I was able to not only reassure him that we're going to pay him for his house, but we'll also pay him to live in a rent house. Not only did we pay the rent for the rent house, but we also paid utilities, groceries, everything he needed. And that made my year. I'm still happy to this day that we were able to give him peace of mind.
I'm very passionate about my work :]
Hurray, Emperor Niya is back in full force!!!