Insurance here for certain types of property in central NY has doubled in the past 5 years. Even more if you have a homestead with farm animals, old equipment laying around, etc.
Close to the same has happened with properties I've got in northern Michigan.
I suspect for some people, home insurance isn't worth having - other then liability coverage. All depends on the specific situation. If you owe no money and can repair much yourself, you might save in the long run with no replacement/repair coverage.
I've got three homes and dropped all the insurance (except liability). I have no mortgages and some types of losses wouldn't have been covered anyway. I know several people who have done the same.
If you want everything covered, you're going to pay for it - one way or the other. I've never had collision insurance on autos or trucks, and am now doing sort-of the same with houses.
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Today's Featured Article - The Rescue of a Fordson F - by Anthony West. Introduction I live in the UK and have for many years restored Fordson tractors (in the main model N's). I have also restored and shown model F's, E 27N's, Field Marshall Series 2, David Brown Cropmasters and the old rey Fergeson T 20. At one time I had seven restored examples which were shown and used in ploughing matches. As most restorers, I have a number of war stories I can relate on a range of topics that may help other like minded and interested people. Perhaps my first p
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