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Socalmountains.com :: Forums :: GENERAL DISCUSSION
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Home insurance cancelled

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NShore.Allen
Tue Feb 27 2018, 04:21PMEmail Thread Print View

wanna be UTH
Registered Member #4616
Joined: Sat Jul 28 2012, 04:37PM
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Posts: 2670
Got the notice that the cabin insurance is cancelled effective April 2018. Says the dwelling is in a "brush area". As if it moved from last renewal.

Agent says due to the prior fire experience, all California mountain properties are effected. He did find a Lloyds of London policy for about 2x premium

What is your experience? What providers do you have?

A smile is a curve that can set a lot of things straight
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MrOwl
Tue Feb 27 2018, 04:29PM

Registered Member #13568
Joined: Sun Oct 23 2016, 01:54PM
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Posts: 2111
It is getting tougher up here. I hope the buyer of our home can get insurance. Our older cabin we used Foremost and our current place we have Ameriprise through Costco but they won't do many up here because of age. Usually it will end up with a "non-admitted" carrier such as Lloyds or Scottsdale

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Old School
Tue Feb 27 2018, 05:28PM
Registered Member #2087
Joined: Thu Mar 04 2010, 07:11AM
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Posts: 108
Hi NSA,

Had the same experience in December, but shopped around and found a Traveler's policy, better coverage and at a lesser cost. Good luck
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Craig ⭐
Tue Feb 27 2018, 06:01PM

Total Eclipse 2017 Casper WY

Joined: Fri Aug 18 2006, 05:50PM
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Posts: 11061
I am also with Travelers as they gave me a lot of coverage for a reasonable price. I have heard some of the large companies will not insure up here (for example, I can't get Flood Insurance through Travelers since I live in Shay Meadow which I guess is considered a Flood Plane or something). I wonder if the recent fires down in Ventura and Santa Barbara (which had substantial losses) affected decision making for insuring fire prone areas in general.

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BigBearSteve
Tue Feb 27 2018, 06:08PM

Registered Member #590
Joined: Sun Sep 02 2007, 03:24PM
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Posts: 158
Allstate cancelled our policy years ago, we went to statefarm.
When we called allstate to cancel our auto insurance, they said oops we made a mistake cancelling your policy. We told them sorry but we found a better company.


Victory Shall Be Mine!! Stewie Griffin....
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NShore.Allen
Tue Feb 27 2018, 07:03PM

wanna be UTH
Registered Member #4616
Joined: Sat Jul 28 2012, 04:37PM
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Posts: 2670
Thanks for all the input. I had the cabin with to DTH place but the fires have changed the underwriting. I will ask about your suggestions.. travelers, sounds good.

Craig, I thought ALL flood insurance was a government program..



A smile is a curve that can set a lot of things straight
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Deb Doodah
Tue Feb 27 2018, 08:08PM

Registered Member #31
Joined: Sat Oct 14 2006, 01:02PM
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Posts: 4049
From the insurance guy in my house....

If you had both properties with them and your auto's, but they cancelled just the cabin, take your business elsewhere! You will probably find a better deal bundling all of your insurance needs into one.

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Jellylorum
Tue Feb 27 2018, 08:34PM

Registered Member #2069
Joined: Mon Feb 08 2010, 05:57PM
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Posts: 642
I thought if you live in a flood plain, your mortgage company may require flood insurance.

I asked about flood insurance, and I was told I wouldn't be covered by the federal government plan, since my place is NOT in a flood plain. I wanted it because my neighborhood dies get small flash floods when it rains.
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SocalSnowMan
Tue Feb 27 2018, 10:38PM

SocalSnowMan
Registered Member #228
Joined: Sun Dec 17 2006, 07:41AM
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Posts: 3525
We have our Bear City place and dth home on State Farm. The home in Duarte has been with State Farm for about 25 years. When we bought the current place in 2002 we insured through State FArm, though it is a separate policy.
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Polar 🌌rbit
Wed Feb 28 2018, 06:35AM
Registered Member #14051
Joined: Thu Mar 16 2017, 06:32PM
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Posts: 492
Each year for the last three I have been kicked into a smaller pool of providers. Primarily because I have galvanized steel fresh water plumbing in a 1950 construction. I guess I repipe with PEX this summer.

You can divide the world into two kinds of people: Those who divide the world into two kinds of people and those who don't!

If a door closes, open it. It's a door, that's how they work.
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