Comments by "" (@commonsense6967) on "Homeowners Insurance is RIPPING YOU OFF (PROOF!)" video.

My State Farm agent once told me flat out that if I ever made a claim, they'd drop me! She was referring to homeowners' insurance.
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@danman1287 I think I made a good decision to drop my homeowners' insurance after34 years and no claims. But I'm in N. FL, on fairly high ground for FL. And Michael forgot to factor in the fact that deductibles make homeowners' even more expensive. I always had a fairly high deductible all those years, and would've had to meet my deductible anyway, before insurance would pay for any damages I could've had.
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@danman1287 My plan is to self-insure, and I always had 5 to 10% hurricane deductible to save on insurance premiums, anyway. So yeah, I've always known I have to keep money in reserve for potential damages. State Farm told me I'd have to go through underwriting again if I wanted insurance again, meaning my old house, built in 1961, would have to meet their standards. More BS that I don't miss. And I've never even thought about the insurance status of a house I m interested in buying, because no matter what, I pay a good contractor or home inspector to thoroughly go over everything and hopefully fix any problems before I sign the deal. Insurance has nothing to do with what shape a house is in.
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@siouxrose Make sure you don't have any big trees near your home. I once had half a huge Live Oak fall on my roof right over my head! (I was in bed!) No damage, really, it only tore off half a shingle, but the roof beams on my house are big planks. Stay safe!
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