Auto and Home Insurance

I had no idea guys were insuring e bicycles now

 

When you have $10K bicycles, you get people wanting to insure them for theft.

 

I would hope they would worry more about their health insurance to get the mental health care they desperately need.

 

That's who I use. Very reasonable rates.

 

No sir. Not even close. 10-15% is the range

 

I’m giving your number to my daughter. Hope you can help her save some money!!

 

Where were dads like you when I was trying to date?

 

Shaking your hand and smiling while having a shotgun behind the door.

 

Thank you sir. We spoke this afternoon. The area of Texas she’s in is insane high…but regardless it does appear that we found her a reasonable solution that will save her a couple grand.

 

That’s awesome, thank you for helping her out, I really appreciate it!!!!

 

I have safeco up here in the seattle area and I find their rates to be very nice. I have had a totaled prius (no insurance drunk driver) and stolen mountain bike. Both claims were handled well. The mountain bike was 3500 claimed against home owners, they paid me 1800. Safeco is alright

 

I have a Safeco contract and I can tell you unequivocally that in Texas they are one of the highest carriers still in the state and also don’t currently write new business in a lot of the high risk areas like dfw. They declined to even offer a quote in the above mentioned due to that zip code.

 

@hotnail why is the DFW area so high risk? Is it storm related?

 

I am sure he will respond but I imagine all of the big three metro areas in TX are just crap now due to both the fact that people can't drive and the fact that crime like theft is very commonplace (Houston, DFW, Austin/SA).

Insurance for me in the Austin area is pretty suck.

 

A couple years back our LBS got broken into around 4-5am

Dude smashed an auctioned cop car right through the 2 sliding glass doors.

The e bikes are the closest to the door.

He walked right past 100k in e bikes to pick cash from the register, then immediately left.

Dopers are a special breed. They'll sell their dog for a fix.

 

@hotnail My daughter said you were very nice and helpful and even spent about 30 minutes explaining options to her. She really appreciated that.

 

it’s a variety of factors….hail storm frequency, severity of storms, congestion of homes, several carriers leaving the state or restricting capacity which in turn puts increased market/capacity pressures to those carriers left in the market…

 

Yes sir. Austin and San Antonio are child’s play compared to those poor folks living down in Houston and up in the metroplex. Fortunately for me, I live about 80 miles south of Dallas out in the country. It’s high here too but nothing like those major metro areas.

in addition reinsurance costs (insurance the carriers pay for to back them during catastrophic events) have insanely skyrocketed….and of course reinsurance cost will be pushed down stream to the end consumer just like everything else in life.

also when you couple change in weather patterns, massive inflation, and antiquated underwriting programs due to years and years of massive profits, carriers got fat, happy, and lazy….and in turn got caught with their pants down. Many of your smaller regional carriers and mutuals have gone belly up or are currently hanging on for dear life