Hashing Through Insurance Policies

June 25, 2010


It’s a good thing The Hubs is familiar with all the technical lingo for insurance policies. As I’ve stated before, part of the reason that we are renovating is because our home insurance policy, at over a decade old, is set to review and revise. At the time, our kitchen was falling down over our heads, half the house had no electricity, and the plumbing drains were iffy. I decided I would MUCH rather spend money renovating the house than spend money on paying a higher insurance premium. It was difficult enough to get the house insurance 10 years ago. We are in a mixed residential/business area, and therefore most insurance companies were hesitant to insure the house (we are very close to a parking lot and are surrounded by businesses). Of course, we could always get business insurance quotes, right? We’re not a business, exactly…. well, I do work at home, on my business.
Anyway, insurance costs are *kinda* hard to control these days. I think it’s very unfair that I have to pay for knuckleheads who live in flood-prone, hurricane-prone, earthquake-prone areas… why do I have to pay for those decisions?!

Anyway, it sure pays to shop around for insurance. All insurance is expensive, especially in New York, but many mortgage lenders and banks will not fund your home loan or home renovation loan without it. And in my opinion, an ounce of prevention is worth a pound of cure. 😀 Thanks to the dudes at NetQuote.com for giving me the opportunity to briefly discuss the importance of insurance!


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