Originally Posted by thomasmnile
I'm feeling better about the 2% hurricane deductible I have............though we are paying State Farm dearly for the privilege.
We moved to the Clearwater Fl area in 1998, and had State Farm. Then when they had the big insurance shake up, State farm dropped everyone that lived within 2 miles of the gulf. Well being about 200 yards from it we ended up getting Citizens (state run ins provider). Every year we receive letters from small ins companies that want to take us from Citizens. A few that I researched don't have enough backing to replace 2 blocks of houses along the gulf. I keep declining and my rates have actually decreased in the last 2 years, while my neighbors that left Citizens have had major increases by the private ins companies.
I have always believed that if you are an insurance company (like State Farm or Allstate...) , and even health insurance, it should be like it was years ago. One company covering ALL the states averaged out, not a Blue Cross of Illinois, or Blue Cross of Florida..
Just my thoughts,
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