We have a 2nd home in FL, the Seasonal Starter Shack: 2 years old,
made it through Wilma with only a couple tears in the lanai cage, basically
a concrete bunker, tile roof, ~1900 ft sq plus garage and lanai.
It is
mortgage free, and we spend about 5 months there.
With the home insurance fiasco going on in FL and any "storm areas"
of the US, we got our new home ins. policy today. Our previous insurer
cancelled us, and this new one is from Universal. Our NC house/car/M'cycles/
Umbrella insurer does not write in FL, so we are at the mercy of an agent in FL
that pulls up these "insurers". The cost for the next year is $2,200 which is not
the problem. The prob. is that both CEO & I have read through the "policy" twice
today, taking notes and we find the 35+ pages,
double sided, nearly fookin
indecipherable.
I can "read & comprehend" about as well as anyone on the planet but
this boiler plate, "see section B, except for sec. 1 on page 22", etc., etc.
is an absolute quagmire and a disgrace, but that's not my beef:
.
With all the "not covered if" and exclusions and subnotes and disclaimer
paragraphs and utter obtuse bullshit, and in the end: coverage for
theft, fire and a couple of std. things, does it make any sense to simply
skip the fookin house insurance???
In 40 years of owning houses, I've never filed a freakin claim for anything.
The piddly stuff, we just ate and fixed...am I way off track here?
Other than "liability", which I'm trying to determine if I can get seperate,
I am not convinced I need/want insurance on the joint. It will not burn
unless someone napalmed it, there isn't that much to steal, the "water
entry" exclusions are rigorous, the 'Cane deductibles are ridiculous, etc.
It is a 2nd joint and I don't wish it any harm, but I'm thinking I can skip
this home owners' "insurance" crap and just let it go...the personal liability
situ does nag, as I don't need some geezer tripping and doing a personal
injury rag on me.
Any opins are welcome...besides the cost,
something has to change in
the insurance biz, when a well educated, mature citizen cannot understand
the 35+ dbl sided pages of a fookin ins. policy. It reads like it was written in
the Ministry of Truth, Orwellian-style. Oh, and this new policy was mailed to
our FL addy, forwarded by the idiots in the Naples PO, and got to us today;
it's freakin "due" on July 2nd.
I'm thinking I skip the "policy"; any FL Peeps' Opins?
Thanks,
Ol'UncMtr