I have home insurance with an independent agent. My annual premium went up about $175.00 and they said it was because "cost to rebuild" has increased.
I checked with two other companies and their premium was MUCH higher and the agent informed me that there was no coverage for wind and hail caused roof damage!!
Also no flood coverage which didn't surprise me.
I remember back years ago, a shade tree, within a certain distance from house, was insured if it died or was blown down. Actually collected the maximum of $450.00 for a tree that lightening struck.
Tree value was paid, not property damage if there was any. That was dropped years ago!
Looks like all insurance companies get together and decide what they are going to exclude--as a group!
Same thing with auto insurance. I have had SF auto insurance for over 40 years and I still have non deductible comprensive coverage because I have been with them so long. I have not found another company that has non deductible.
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Today's Featured Article - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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