Thanks Barbara, that is good information if I buy or invest in another property that will be another point to consider. I'm sure there are lots of secrets that the insurance companies have to get higher rates. You would think in your case the distance would also be offset by elevation. If you within 2000 feet but the house is on a hill wouldn't that change things? We saw a lot of the remodeled homes from Plum Island through Seabrook NH either had the house raised so the ground level served as a carport or storage so as the beach erosion increases and the water comes up the house will not be damaged. I wonder if the insurance companies have made allowances for these raised homes? The other alternative is to take a huge deductible to maintain a decent rate. 

I did switch companies and saved $1,000 on the rental and $130 on cars and home. 


----- Original Message ----- 
From: "Barbara Burcham" <[log in to unmask]> 
To: [log in to unmask] 
Sent: Thursday, August 6, 2009 1:55:52 PM GMT -05:00 US/Canada Eastern 
Subject: Re: [TN] Unemployed, try to save money- fire insurance info 

I HEAR you, Mr. Curmudgeon and I second that comment. 
If you had not been financially responsible, you might be on that shed, 
picking those leaves and storing them to dine on through the winter. 

I don't put much stock in internet news that says this is getting better. I 
ain't seen nothin' yet. I wrote to my congressmen/women just to let them 
know that I am watching and tell them that Americans have lost faith in 
them. 

On Thu, Aug 6, 2009 at 12:12 PM, Phil Nutting <[log in to unmask]>wrote: 

> John, 
> 
> Although I've been able to stay in the ranks of the employed, I too have a 
> similar home owners insurance issue.  Seems I live less than 2000 feet from 
> the ocean and my insurance company refused to renew my insurance.  My annual 
> insurance is now over $2200 and I can't see the ocean except from a special 
> spot on my shed's roof in winter when there are no leaves on the trees. Hate 
> to think of the insurance rates of the folks who have waterfront property. 
>  The insurance folks are worried about wind damage in the event of a storm. 
>  In trying to get new coverage I came across excuse after excuse as to why 
> they couldn't underwrite my house.  Now I'm in the "Mass Fair Plan"... Fair 
> my butt! 
> 
> Wages are down (10% cut), hours are reduced to 36 hours, state sales taxes 
> just went up to 6.25%, health insurance costs are up, dental coverage is 
> more like "denial" coverage and the government is offering "cash for 
> clunkers".  Right, with what money?  I'll be patching my car into the next 
> century before I can upgrade.  I've been fiscally responsible, paid off my 
> house, have $0 balance on my credit cards and don't have all the latest 
> technology toys.  Where is my bail-out Mr. Obama? 
> 
> A grumbling curmudgeon, 
> 
> Phil 
> 
> -----Original Message----- 
> From: TechNet [mailto:[log in to unmask]] On Behalf Of John Goulet 
> Sent: Thursday, August 06, 2009 12:47 PM 
> To: [log in to unmask] 
> Subject: [TN] Unemployed, try to save money- fire insurance info 
> 
> I'm staying very busy working to at least save money on insurances and 
> catching up on maintainance on my houses. 
> 
> I found out that the insurance has been charging almost double because we 
> are not within 1000 feet of a fire hydrant even though the fire department 
> is less than a half mile away. I found out that many of the fire departments 
> stopped using the fire ponds because the algae damages the pumps on the fire 
> trucks. The Insurance sales people are calling to do inspections but are 
> really out to increase your policy. I'll bet they are raising the 
> classifications or will use the information that when you filled out the 
> insurance application and you saw that fire hydrant on the local fire pond 
> you thought you were all set. I wonder what would happen if you had a fire? 
> Would they reduce or deny the claim?  I'm having the NH License board check 
> the filing for my current insurance company because they also believe the 
> fire department being that close would drop me from a class 9 to a class 5. 
> The captain of the fire department says we are ISA class 5. 
> 
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-- 
Barbara Burcham, C.I.D. 
pcb Trace Design 
281-341-7539 Wk/Hm 
713-249-7718 Cell 
[log in to unmask] 

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