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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, 04:21PM Email Thread Print View

wanna be UTH
Registered Member #4616
Joined: Sat Jul 28 2012, 04:37PM
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Posts: 2239
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 things 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: 1430
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: 98
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: 10984
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.

Winter can leave now... Lets try to get above 50 degrees???
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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: 146
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: 2239
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 things a lot of things straight
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Deb Doodah⭐
Tue Feb 27 2018, 08:08PM


Joined: Sat Oct 14 2006, 01:02PM
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Posts: 3791
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: 460
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

Socalman
Registered Member #228
Joined: Sun Dec 17 2006, 07:41AM
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Posts: 3228
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 Orbit
Wed Feb 28 2018, 06:35AM
Registered Member #14051
Joined: Thu Mar 16 2017, 06:32PM
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Posts: 164
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.
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Missouri Sunni
May 23 : 02:42pm
Wow. We've just got tornados, hail, heavy rain and floods. Kind of fun to all get in the Big Guy's Mancave and watch the weather channel. Just 60 miles from us the state capital Jefferson City had a really bad tornado and killed 3 people. They are facing another one as I write.

NShore.Allen
May 23 : 02:23pm
here's a picture from my balcony this morning, up Fawnskin Dr

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BootsNBridles
May 23 : 11:12am
Very strange driving up the mountain last night in heavy snow. At the end of May. Thank heavens it wasn't sticking.

Carter
May 23 : 11:10am
Nevermind! me being gullible again.

Carter
May 23 : 10:48am


Carter
May 23 : 10:48am
Idyllwild got 5 inches, but in BB, no snow for most. :9(

LoveTheView
May 23 : 10:37am
Daffodils were great this year, just gone about a week ago. Planted them in the fall, divided among all kinds of other plants. I think they help keep the gophers away (well, I hope).

Lumber Jill ⭐
May 23 : 10:37am
I stand corrected. Apparently tulips are mildly toxic.

Lumber Jill ⭐
May 23 : 10:33am
Tulips aren't toxic. Daffodils are. I plant them whenever the companies ship them to me. I think it's Oct.

ChillyBeans
May 23 : 10:29am
IDKnothin for our zone, usually in early to mid October

IDKnothin
May 23 : 10:25am
I was thinking more in line with the toxic tulip.

IDKnothin
May 23 : 10:24am
(I just discovered Joker is a bulb - hah, I didn’t know)

IDKnothin
May 23 : 10:22am
Back to the bulb planting time line ...
In the fall - when would you stick those jokers in the ground?
Anyone ??

SCM ALERT🚨
May 23 : 08:22am
Polar Orbit.... that system is ongoing maintenance.. Its coming back as a timelapse and firewatch system in the coming weeks. Please ignore that error. Thanks!

SCM ALERT🚨
May 23 : 07:53am
San Moritz Structure Fire: Fire Has Been Knocked Down - Extensive Overhaul - Will Need All Utilities To Respond More Info: [Click Here]



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