clifffaith
TUG Member
- Joined
- Feb 24, 2016
- Messages
- 5,480
- Reaction score
- 6,637
- Points
- 498
- Location
- San Juan Capistrano, CA
- Resorts Owned
- Worldmark
Our insurance bill with Nationwide went up $200 last year, and I just grumbled and paid the bill without doing any research. This year it will go up another $561. I'm guessing the increase is because of the fires in California last year. So it is time to do research.
We do have a "wild area" near us, which is basically chaparral covered hills set aside as a preserve area because it is prone to sliding, otherwise I'm sure it would have been built on long ago. We used to live in a gated community on the coast in that area (12 minutes from where we are now) and were turned down by Farmer's, who'd insured us until then, because they considered it a "fire area" as well as a "slide area" (our home there was actually picked up and moved in the late 50's when half the neighborhood was sliding; they had a "Last Days of Pompeii" themed party). We lived there 1999-2002; our last two homes are in "regular neighborhoods", but again that slide/fire area is only two miles or so from us.
Cliff was a captain in the army back in the day, so first thing I asked him to do was call USAA. They must have been high for home insurance sometime in the past, otherwise we'd use them for home like we always do for our cars. They first wanted $1925 when I was having heartburn over $1657 with Nationwide, so no thanks. The guy talked and talked and talked more than a timeshare salesman, finally getting the price down with some stupid large deductible like $30K. Cliff finally told him to stop talking (we'd already missed our early bird dinner out) and put it in writing and email the quote. That quote came in at $847, and now Cliff is pissed because I said no way I'm going with oversized deductible and I sure as heck am not calling back to talk to the motor mouth sales person again. The Nationwide insurance originally came from an insurance broker, so next step is to go back to her to see who else she might recommend.
We do have a "wild area" near us, which is basically chaparral covered hills set aside as a preserve area because it is prone to sliding, otherwise I'm sure it would have been built on long ago. We used to live in a gated community on the coast in that area (12 minutes from where we are now) and were turned down by Farmer's, who'd insured us until then, because they considered it a "fire area" as well as a "slide area" (our home there was actually picked up and moved in the late 50's when half the neighborhood was sliding; they had a "Last Days of Pompeii" themed party). We lived there 1999-2002; our last two homes are in "regular neighborhoods", but again that slide/fire area is only two miles or so from us.
Cliff was a captain in the army back in the day, so first thing I asked him to do was call USAA. They must have been high for home insurance sometime in the past, otherwise we'd use them for home like we always do for our cars. They first wanted $1925 when I was having heartburn over $1657 with Nationwide, so no thanks. The guy talked and talked and talked more than a timeshare salesman, finally getting the price down with some stupid large deductible like $30K. Cliff finally told him to stop talking (we'd already missed our early bird dinner out) and put it in writing and email the quote. That quote came in at $847, and now Cliff is pissed because I said no way I'm going with oversized deductible and I sure as heck am not calling back to talk to the motor mouth sales person again. The Nationwide insurance originally came from an insurance broker, so next step is to go back to her to see who else she might recommend.