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  #31  
Old 11-08-2007, 03:53 PM
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Originally Posted by Howitzer View Post
Here's what I think....F--- You State Farm!, you take the risk but abandon ship when you have to pay.
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Quote:
Originally Posted by Howitzer View Post
You know my pet peeves, insurance and energy; they get regulatory protection while ramming the citizens the regulations are supposed to protect in the ass.
I'm not sure all of those regulations are to protect the citizens as much as the companies.

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  #32  
Old 11-08-2007, 04:27 PM
mrhills0146
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Yes those evil COMPANIES!! Oh no!!

Last I checked, it seems to me that companies by and large employ people, do they not?
  #33  
Old 11-08-2007, 04:42 PM
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Originally Posted by mrhills0146 View Post
Yes those evil COMPANIES!! Oh no!!

Last I checked, it seems to me that companies by and large employ people, do they not?
Insurance companies don't play on the same field as most companies for example the only companies exempt from anti-trust laws are insurance and energy, if they anticipate a loss they can uniformly agree on a rate hike to help each other out. It does not matter how many people they employ, if they are not abiding by the law.. down they go.
  #34  
Old 11-08-2007, 04:43 PM
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Quote:
Originally Posted by mrhills0146 View Post
Yes those evil COMPANIES!! Oh no!!

Last I checked, it seems to me that companies by and large employ people, do they not?
That's correct......then emote when they can't rip-off the insurance companies. They ought to get jobs........lol!
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  #35  
Old 11-08-2007, 04:59 PM
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Bav,

...Skid Row, we know who you are you can't hide behind those pennies for more than a post or two. No need to insure an eastern efficiency.
Yah, I share your suspicions.
  #36  
Old 11-08-2007, 05:03 PM
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Originally Posted by mrhills0146 View Post
Last I checked, it seems to me that companies by and large employ people, do they not?
Drug dealers employ people to sell drugs to children, do they not?
  #37  
Old 11-08-2007, 05:09 PM
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Quote:
Originally Posted by Howitzer View Post
Insurance companies don't play on the same field as most companies for example the only companies exempt from anti-trust laws are insurance and energy, if they anticipate a loss they can uniformly agree on a rate hike to help each other out. It does not matter how many people they employ, if they are not abiding by the law.. down they go.
Neither will happen. Insurance companies don't go down. Your premiums ensure it. They'll be in business loooooong after you spend any occasional 2.5% t-bill payments......now that's funny!..... Insurance is the best business on earth.
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  #38  
Old 11-08-2007, 05:25 PM
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With the window industry a close second.
  #39  
Old 11-08-2007, 06:11 PM
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Originally Posted by Skid Row Joe View Post
Homeowners insurance is for sissy-losers that haven't paid their homes off. And no, I don't insure my paid-for home. There's no law that sez you have to insure your home, either. People that carry homeowners insurance are weak in the mind and wallet, --wimps..

If you haven't figured-out that paying homeowners insurance premiums are a scam in 2007.........there's no hope for you...... I'm convinced the stupid people in America want to stay in their rut, anyway.......no surprise here..........
OK. I'll bite. How many years of premiums is it going to take to pay off rebuilding your house if it burns down? You wanna pay for the hail damage I got last year? I'm sure AAA would be more than happy if you wanted to pay for it less my premium. Theft of my riding mower?

I pay insurance so I don't have to worry.
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  #40  
Old 11-08-2007, 06:17 PM
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Originally Posted by Skid Row Joe View Post
Who said anything about re-building? I'd raze it, sell the lot, and move........likely to a much nicer neighborhood.
Let me see if I understand you. Your house is paid up and you are not insured. If it burns down, you'd raze it to the ground and sell the lot and move to a nicer neighborhood, right? OK. So you are telling me that the property values are so good that your plot of land gets you a house with a plot of land in a nicer neighborhood? I'm more than intersted in how do do it myself.

My house is worth say $200K. Razed lot is $50K. I get to take the 50K and buy a house in a nicer neighborhood for $50K?

What do you plan to move to? Another razed lot?
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  #41  
Old 11-08-2007, 06:21 PM
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Originally Posted by TX76513 View Post
I don't have any remorse for SF. Like the rest of the insurance industry, State Farm has been highly profitable over the past few years, despite hurricane payouts. State Farm recorded a net profit of $3.24 billion in 2005. That's the B word not M. Woe is the Mississippi State Farm Agent....as they cannot write any new (homeowner) policies and this has also caused people to move their auto insurance elsewhere.

One thing positive that will come out of this is consumer readable exclusions page on insurance, no more boilerplate legalese crap.
What has their profitability or not got to do with anything? Million, Billion, so what?

Problem with consumer readable exclusions is that it could become so meaningless that it defeats the purpose.
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  #42  
Old 11-08-2007, 08:15 PM
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"My house is worth say $200K. Razed lot is $50K. I get to take the 50K and buy a house in a nicer neighborhood for $50K?"
In my area if a 1 acre lot with house burns down it goes from 400k to 350k. If you want to build a dream house that is one way to get all your permits fast tracked.
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  #43  
Old 11-08-2007, 08:35 PM
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Retail on building lots in this area start at $150k and go to $1.3m.


If you have say an average raised ranch thats worth $450k, and it burns down the lot is probably worth about $200k. So how many years of premium does it take to add up to $250k?
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  #44  
Old 11-08-2007, 08:54 PM
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Originally Posted by Hatterasguy View Post
Retail on building lots in this area start at $150k and go to $1.3m.
man for that 1.3 mil out here in iowa you could buy about 300 acres
of the most fertile land on earth,then rent it out for 4-500 an acre per year.
  #45  
Old 11-08-2007, 09:02 PM
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Originally Posted by Hatterasguy View Post
Retail on building lots in this area start at $150k and go to $1.3m.


If you have say an average raised ranch thats worth $450k, and it burns down the lot is probably worth about $200k. So how many years of premium does it take to add up to $250k?
You don't insure the value of the lot in homeowner's insurance, you insure the value of the house.

The lot is a wash on insurance....free. You cannot lose bare land in a fire, flood or tornado.

Tom W

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