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Originally Posted by Phillies8008
Holy crap. Is this with with super-high coverage rates (there's a better term, but it's failing me right now)? I thought SC was bad, but hoo boy.
And we wonder why so many people are driving around with little or no car insurance... Which, of course, makes it more expensive for those of us who do have it – I know on mine at least the "underinsured/uninsured" portion is a not insignificant amount of the total.
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Normal coverages. Tbh, my house has almost tripled in value since we purchased it in 2016 & it is drastically under- covered. We're planning to sell next year so I'm leaving the coverage where it is.
I will say there's a racket going on with inflation, price gouging, etc. Here's an example on my house. Roof replaced due to hail in 2019 - total replacement costs with a couple broken windows, solar screens on all the window, my fence (500 linear feet) was damaged and garage doors = $36k.
Same thing in 2025, same exact damage & replacement = $70k. Also in TX if your roof is more than 4 years old when you go to sell they make you replace it or the buyer's insurance won't cover the house - at least that's been my experience on the last 2 homes we've purchased.
Re: the autos, we're with State Farm but have checked all major carriers plus some random never heard of them carriers & rates are the same or higher if we switch.