Can we talk insurance companies (home/auto) again?
lkplatow
8 years ago
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Auto and Home Insurance
Comments (7)I keep the rider with the original policy. I have a file for each policy. Life policy's are kept in a safe along with trust and will copy's. My agent , a personal friend, told me she could get me copy's of any policy we ever needed if mine were ever destroyed or lost. Sue, This is how I got myself out of the paper work mess after years of putting it off. When we moved, 4 years ago, I had to do something I didn't want to take all the mess with me. I went through everything and shredded papers for three days. On the advice of our attorney and CPA I put all tax returns older than 5 years in a box. I have a note in that box to my daughter saying" If you are reading this I am gone, you don't need this stuff so shred it. Love ya MOM". CPA said to keep the tax returns forever no matter what the IRS says. I keep the current 5 years worth in the file. I made up a box and put everything from the house we were selling, blue prints, permits, warranty's, manuals, in it and left it for the new owners. For household bills I keep one months worth. When the new bill comes in I pay it, file the new bill , take out the previous bill and shred it. Every January I go through and clean out all the files and shred anything that I missed the previous year. I shred all pay stubs except the year ending one and keep that with the tax returns. I have 3 file drawers, one for household and personal stuff, one for household appliance manuals and one for household repairs. I keep all receipts with the proper bill, invoice, manual, ect. One of the handiest thing I did is make up a file for each month, January through December where I put every receipt for every penny we spend, cash, ATM, charges even deposit receipt. It has really come in handy. I shred a month as I come around to it. I will be shredding April at the end of this month. It took me several week to get this set up and I did and do change things along the way but it has made the paper work mess go away. I pay, file, shred almost every time I come home from the post office. We are on the "Do not call', Do not send" list for everything I know about so junk mail is not a problem. If I do get any I call and ask to be removed from the list. With all that said I do have one file that is totally out of control. I have a file that just says Dad. In it is piles of paper work for thing I am involved with for my father and it seems that anytime I shred anything in that file I end up needing it. LOL so it will stay the mess it is. Just start and do one file at a time. It sure has made my life easier, less cluttered and I can find anything I need in a hurry. Well except for the dad file....See MoreLet's Talk About Insurance
Comments (16)We still own our last house, and not because we want to! We moved out of that house on Thanksgiving weekend of 2005 and spent the winter getting in shape to sell - taking off wallpaper, fixing the bathroom ceiling, cleaning, painting and mouse-proofing the basement, putting flooring on the steps to the basement, and painting the whole main floor. Then we had the original wood floors refinished. March 1, 2006 it went up for sale at $160,000. A year and a half later, we got our first offer, a rent-to-own situation for $140,000. Because she had credit problems to fix, we did a 2 year lease before purchase. By that time rolled around, the house was not worth the contracted price and the deal fell thorough. Going price for a house like ours? $85,000. This is where the insurance comes into play. We are paying high-cost landlord insurance. The agent told me that he is being told to stop the insurance on all empty houses! If we could not find a new tenant, we would have an empty, uninsured house. Luckily, we had my father-in-law's caregiver and her husband ready to move in. Part of the deal I made with her to get her to return to Michigan and resume her caregiving for Dad was that she could live in our old house at the same price she had paid to rent the two=bedroom apartment they had here before going back to Florida. So I am getting about half of the cost to keep up the house each month in rent, but am glad to have someone in the house at all. I told the agent that I would move back to the house before losing the insurance. It is only 5 minutes from my work. I could see DH on weekends and I could keep one of the three dogs we have there with me at the old house. There is so much vandalism of empty houses that insurance companies are no longer insuring vacant home in the Detroit area. ML, we have a high deductible, I thought - $1000. I have never heard of a deductible by percentage. How does it work? I agree that oceanside and barrier island properties should not be insurable if it means that we all have to help pay when they are destroyed. I expect to hear that a lot more areas join that list as global warming changes weather patterns. Places like Paterson NJ or the area around the Red River in North Dakota might not be insurable soon....See MoreAuto insurance during Stay at Home order
Comments (12)We declined the tracker, so don’t have one. “How do they KNOW this?” My guess is that the insurance company (All State) sent the same email to everyone who they cover. We are not THAT special. It’s not a huge amount that will hurt their bottom line, but it’s a nice consideration on their part. Good business move IMHO. Arcy, many companies DO help those in need. Why do you think they don’t? In your posts you seem to have a lot of negativity in your life. I hope that you can find some happiness soon....See MoreHave You Used An Insurance Broker for Auto, Home, Etc.?
Comments (10)I don't have high regard for customer-facing people in the insurance business and so I don't rely on them, whether it's independent agents or captive ones (like State Farm has). I don't distrust them, they just frequently seem to know less than they should. I believe the advice of independent agents can be swayed as much by which companies and policies pay better commissions as by what's best for a customer so I would never deal with one for personal insurance matters. Anyway, like Nicole, I do my own leg work. It doesn't take much time or effort. With auto insurance, as an example, furnish the spec page of your existing policy for a quote. You can do the same with homeowners' insurance. Talk to friends and neighbors for their experiences and recommendations pro and con....See Moremorz8 - Washington Coast
8 years agolast modified: 8 years agolkplatow thanked morz8 - Washington CoastOutsidePlaying
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