American Greed is on display. The insurance companies are quick to take advantage of home owners. I have never had a claim, but every year they raise the cost.
American Greed is the millions of fraudulent claims filed each year. Insurance companies aren't there to replace things like roofs that are regular maintenance. If you don't replace your roof do not expect the insurance company to. Only during a significant weather even are they liable or something not related to simply having a worn out roof. They should have a clause that automatically disqualifies coverage for any roof approaching 15-20 years unless signed off by a professional as to its worthiness. When something catastrophic happens you are covered. This is how insurance is supposed to work.
"life benefits" on a homeowner's policy? Shorter terms - you mean less than a year of coverage? Are you delusional? Your ignorance is astounding and the number of thumbs up that you got show just how clueless the average person is.
Insurance is not a warranty. It's for a crises event like your home being burnt to the ground, not because you don't want to pay $3000 because a windstorm blew off shingles off your crap roof.
I think it’s not right not to cover a 20 year life roof expectancy on a 10 year old roof in good condition. Or to refuse coverage on a house that they think is too old.
It's not just the seniors that will suffer from this, many people will lose their homes just like in 2008 when one out of every 5 homes were in foreclosure. This is truly sad.
Sadly. I'm trying to buy a place in tampa.. its literally impossible.. and I have a pretty decent price I'm looking for. Everyone wants all cash only or 50k plus over ask and wave all inspections. I'm actually now gonna sit out from buying and wait for all the foreclosures and evictions to happen.. I think this is what it's come to.
If you cannot afford the insurance bill, how can you afford the fixes this expert recommends?? Many of those ‘upgrades’ with the new FL hurricane standards are extremely expensive! FL needs a special session to get this resolved. These elderly and disabled have FIXED incomes. Maybe the insurance company exec’s should take a huge pay cut? State Farm CEO 2020 salary: $20,266,505.62; Allstate CEO $18,009,544 …….
Well that's the point. People used to be able to afford their homes, the insurance, and any repairs they needed. Now no one can afford anything. Our economy is going to collapse because when no one can afford anything but the bare basics everyone loses their jobs one by one. Except for the few people who work in the jobs that provide those bare basics.
@@arag7023 inflation is for finite resources. Money is an infinite resource because most of it is digital. There's no reason how much money a country has printed or in zeros on a screen, should affect inflation. You realize these are just bs excuses for companies to raise prices and keep the profits at the top right? Things are supposed to cost less as they get easier to make and transport. Well that's all we've been doing for the past few decades. Improving how we make and transport things. Things should be getting cheaper not more expensive. So what's different? Back in the day most bosses didn't keep a majority of the profits to themselves. Telling you that things cost more because they've printed more money is just an excuse. It cost more because they want a bigger slice of the pie at our expense.
So sorry for Americans!! Get ripped off in insurance,health and sounds like your pensions are pretty low too. For such a rich country its people are treated with contempt.
Actually most jobs offer some form of health insurance. The people that complain don't have a job or are working at minimum skill job. And my home insurance in florida is cheaper than what I was paying for in California.
@@Zaakro BS, jobs in AMERICA offer little to nothing in benefits and hire workers at part time levels to keep from having to pay their employees benefits. 🙄 Americans aren't nomads that have to continuously move/shop from place to place, year after year in search of the cheapest everything!🙄 It's ungodly.
@@dianegreen1937 like i said if you work at a minimum skill job you won't get the benefits. I've had a 401k, sick and vacation time, and full medical benefits since I turned 19. I'm turning 39 this year.
@@dianegreen1937 I'll take it one step further. According to the US census in 2020 over 297 million people had medical insurance in the US. That's over 91% of country that had medical insurance.
@@Zaakro Whether it's NON-QUALITY with very few services and many limits. Not the quality/kind that our political REPRESENTATIVE receives that's PAID for though our AMERICAN TAXES! It's counted tho damn near worthless! I won't mention vision orrr dental coverage! My coverage cost are getting ready to increase and services offered are being REDUCED and I have so called good coverage. 🙄
I just paid off my house, and if they jack mine up I am cancelling it. Insurance for anything is a scam... if it were non profit, then it would be less expensive.
AAA home insurance have set deductibles. That they will never say that any damage is more than. There only intention is to offer an affordable rate, to collect premiums and go against any rate that contractors are willing to work for. Scam all the way around.
I don't know if they have the same ins. in Florida that they have in PA, but he should try Farmer's Homeowners ins. I did, and I lowered my premiums by a $1000 less. My ins, also kept going up, although I never had a claim, and the ins. company, Liberty Mutual, kept saying that they were applying discounts. Ok, if so, then why was it jumping $200 to $300 everytime I received a renewal notice. So I dropped them, like a hot potato. I feel his pain, believe me, I too am a senior citizen on a fixed income who has worked for over 47 years to accumulate what I have. Ms. L. Churchill
There's a lack of competition in Florida. All will be high. As you found, it pays to shop around every few years. Insurance companies often reward new customers more than current ones.
FYI to all: If you don't have a mortgage or HELO on your house, you are not required to have insurance on your home. Now, there are people that will say, what if something happens and they would be right but ask yourself, how long have you owned your home and when was the last time you used your insurance??
But if your house roof should get blown off by a hurricane, tornado, or bad wind storm and you don’t have insurance, can you afford to fix it and replace damaged contents? Replacement coverage is very important for most.
@@jenniferpecha4393 it sure is, when everything costs more there is going to be spikes in everything and everywhere. Not rocket science to know that. Cause and effect.
@@eveskey7982 Do you live in Florida? If you do then you should be informed enough to know material costs are just one small drop in the bucket of "reasons" the industry is doing this.
@@jenniferpecha4393 yep and not to long ago there was a housing price mortgage crisis, but oh wait people do not want to remember past history or how to not have it come back to bite them again or happen in other areas of life. Like situational awareness, planning for life, cause and effect needs to be always first and foremost in survival.
@@eveskey7982 Hey Eve? What does any of that have to do with homeowners insurance??? There are thousands upon thousands of people who retired to Florida, planning ther lives out, who weren't prepared for this. You are just spouting drivel at this point. AND you DON'T live in Florida and find yourself dealing with this problem every single year. Don't say you live here because then its going to add liar to your troll comments.
My mother's insurance got dropped 3 yrs ago. She is on SS and cannot afford new insurance.Her roof was already leaking, and had been patched twice. Now is leaking inside the home. It is a total nightmare now. My mother and father built their home in 1956 and mom and I reside in the home. Now she has dementia and because she forgot to pay her homeowner's insurance 2 years ago, noone will help her because of being late 1 time in the last 3 yrs. I'm ready to pull my hair out!! The home is literally falling apart around us. I think I'm going to maybe set up a go fund me account. My mother is 90 and leaving the home to me. Something needs to be done, PRONTO!!
Keep allowing building in costal areas most at risk of damage or being destroyed and everyone else bears the burden. Has to be a more fair way to price insurance
That "Tasha Carter" doesn't know what she's talking about! Homeowners are charged a percentage of the home's value for "contents"! I am currently paying for $45,000 dollars worth of "contents"! You will never collect that though! I get "new" items in case of loss, and even then, it would never add up to $45,000 dollars! And this doesn't even include "high risk" items, guns and ammo, jewelry, paperwork like stocks and bonds, or cash! These require a special "rider policy"!
Now is a good time for these republicans to shine by getting involved in fixing this issue. However, noooo they wont but wait until November when I and a few friends vote to dump them.
Oh but don't say gay is the priority! Are you loving DeathSantis? It took him a day to pass legislation against Disney, but we have a housing crisis and DeathSantis doesn't care!!
The biggest problem we have here is insurance fraud!!! That’s why insurance is so expensive!!! I have people constantly contacting me to fix my roof with every little storm that we have! That’s what needs to be investigated!!! Stop the fraud and insurance prices will be more manageable!!!
@@Tearflavoredcereal Sorry to hear about the insane status that's taking place out there. I think these companies are greety. They don't care for anyone's interest but there money pockets. Your Governor needs to step in and put an end this nightmare. God Bless all you good people.
Face facts Folk's . The Day's of Florida being a Retiree's Paradise are long over . Unless your Wealthy and can afford the Luxury of living in The Villages ?
Maybe Florida's Govenor should concentrate more on Governing vs pandering to his base. CRT is not a real issue. Transgender athletes are not taking over school sports. Children are not being "groomed" to become Transgender or Homosexual in the schools. HOWEVER, HOME OWNERS INSURANCE is a real crisis.
@@phsx2890 A. Hate is not part of any curriculum. You have been hoodwinked into hate and division. CRT does not exist in Public School Curriculum. The teaching of slavery is not CRT. B. Children are not being groomed. Again, you have been hoodwinked into hate and division. Meanwhile, I just got my Homeowners Insurance renewal. It went up 30%. One has to wonder why so much time was spent on non-issues when there are real issues that affect many many Floridians.
How much of these insurance increases are because of the rising value of real estate? I've seen houses advertised at prices 50-100% of their 'year ago' estimates.
Some of it for sure. They will automatically bump up the coverage to "replacement value" unless you specifically call and have the reduce the amount of coverage.
That’s Crazy 😒 I don’t even have health insurance and wish I did I need it most people that are homeless don’t even have a house. Y’all are making it sound like you can only have a house if you have insurance.
The bank isn't going to give you a home loan if you don't have home insurance. The home is collateral for your loan just like your car is collateral to a car loan.
Well when your state is wiped out by a hurricane every couple years insurance is going to be high and what are law makers going to do besides make it unprofitable to offer insurance in Florida cause thier not going to stop the hurricanes or those sink holes for that matter
It's like they don't give a crap about homeowners... between insurance going up and electricity going up. Time to just dump the insurance, if you are mortgage free. These tips cost money so they are useless.
Whoever insures these is consumers can shop them around for lower rates. Yea, they can even increase their deductibles to at least $1,000.00 or$2,500.00. That can offer a i nice size decrease.
Do you live in florida? Because my hurricane deductible is 3k andccx will go up.because it is a percentage of your home value. Another rude surprise, they get to apply this to losses that are not hurricane related.
@@charlottemajewski5992 Unfortunately I don’t live in Florida. That’s a very high deductible, but if your home is insured for over $500,000 that’s pretty reasonable. Especially in a hurricane State
The kicker is, they actually should be increasing their coverage because of the price of wood and construction supplies these days. It's going to cost much more now to rebuild your home and your old policy might not cover the cost anymore.
I owned a southern California insurance agency for many years. Left the state for Arkansas in 2004 and VERY glad that I did. insurance rate increases must be approved by each state's Insurance Commission. Florida insurance companies have been losing money for years and many have gone bankrupt trying to stay in that state. If you don't like the rates, move! You are not a tree.
The great thing is, we have the means today to move if we don't like an area. Rather than sit in a state and complain all day.. there are plenty of states with other people and laws that might think like you and want similar things. Go there and be happy, don't sit around somewhere you're unhappy and complain all day. I wouldn't ever live in California.. so I don't live there, makes no sense to live there and just complain about it. We have options now
@@strongtowerman9661 it is easy lol, it's easier to move anywhere in this country today than at any point in human history. Sure if you want to sit around and complain all day and in your mind that's fighting for what's right.. by all means sit around and complain. I on the other hand have 80 years at most to live.. and sitting around a town/city/county/state that no one believes in the same things as me and it's evident it likely won't change.. id just prefer to use my energy towards better things.. but do you, go anywhere and complain all day until you die idc lol.. your life not mine.
Heritage Insurance sent me a renewal with a 110% increase, they are thieves! KIN Insurance was able to give me a great rate and provide the coverages and deductibles I was looking for. Do yourself a favor and call KIN Insurance!
Expensive houses? They are talking about insurance costs.Their houses didn't look that expensive.Insurance at $3500 per year for that house/contents is ridiculous.Don't insure - the money you save could probably pay for repairs.Probably not -you live in America. Tough.
There isn't much that's cheaper. As out-of-state residents move in, prices have dramatically increased. $500K home not that long ago was extravagant. Now that's the price for a normal home in many areas. Maybe he could move, but to where. Small homes are being bought up to turn into rentals. Renting itself is a bad option with rapid, unpredictable rent hikes. For many, staying put is the best option.
American Greed is on display. The insurance companies are quick to take advantage of home owners. I have never had a claim, but every year they raise the cost.
They are ripping off people!! This is insanity ain't it?
That's why we lost over 6 companies with liquidation and 4 that moved out of Florida entirely. Yep, corporate greed.
You will have to pay for filing a claim even if it's denied.
Same with car insurance. No accidents or tickets. They do a audit in the state and I am paying more.
American Greed is the millions of fraudulent claims filed each year. Insurance companies aren't there to replace things like roofs that are regular maintenance. If you don't replace your roof do not expect the insurance company to. Only during a significant weather even are they liable or something not related to simply having a worn out roof. They should have a clause that automatically disqualifies coverage for any roof approaching 15-20 years unless signed off by a professional as to its worthiness. When something catastrophic happens you are covered. This is how insurance is supposed to work.
Law makers don’t have to live in the world that they create. Make terms shorter and no life benefits.
"life benefits" on a homeowner's policy? Shorter terms - you mean less than a year of coverage? Are you delusional? Your ignorance is astounding and the number of thumbs up that you got show just how clueless the average person is.
Insurance is a scam. Its required, but your punished if you use it. If you don't use it, cost go up anyway
it is not required if you do not have a mortgage.
@@anniesshenanigans3815 right, but at the level of inflation who can afford +350,000 in cash? The majority of people will mortgage, this is a scam
Insurance is not a warranty. It's for a crises event like your home being burnt to the ground, not because you don't want to pay $3000 because a windstorm blew off shingles off your crap roof.
@@anniesshenanigans3815 they still could put a lien on your house.
I think it’s not right not to cover a 20 year life roof expectancy on a 10 year old roof in good condition. Or to refuse coverage on a house that they think is too old.
Yah I love how the ways to reduce your cost requires people to extend credit and spend more money. 🙄
It's not just the seniors that will suffer from this, many people will lose their homes just like in 2008 when one out of every 5 homes were in foreclosure. This is truly sad.
It's the bolshevik way .
@@damianhellstrom7805 I say bring it on. Cause and effect, baby. 😊
Why would you lose your home if you don't insure it?Apart from natural disaster that is. Can banks foreclose if you don't have insurance?
@@valsyaranamual6853 yes, if you are still paying on your mortgage you must keep your house insured.
Sadly. I'm trying to buy a place in tampa.. its literally impossible.. and I have a pretty decent price I'm looking for. Everyone wants all cash only or 50k plus over ask and wave all inspections. I'm actually now gonna sit out from buying and wait for all the foreclosures and evictions to happen.. I think this is what it's come to.
If you cannot afford the insurance bill, how can you afford the fixes this expert recommends?? Many of those ‘upgrades’ with the new FL hurricane standards are extremely expensive! FL needs a special session to get this resolved. These elderly and disabled have FIXED incomes. Maybe the insurance company exec’s should take a huge pay cut? State Farm CEO 2020 salary: $20,266,505.62; Allstate CEO $18,009,544 …….
Call the Govenor and tell him to quit chasing invisible boogeyman and to do the job we voted him in for!
Well that's the point. People used to be able to afford their homes, the insurance, and any repairs they needed. Now no one can afford anything. Our economy is going to collapse because when no one can afford anything but the bare basics everyone loses their jobs one by one. Except for the few people who work in the jobs that provide those bare basics.
That is their salary???? Disgusting.Who on earth needs that much money per year?
@@taylorbug9 Keep on printing money that will help!!
@@arag7023 inflation is for finite resources. Money is an infinite resource because most of it is digital. There's no reason how much money a country has printed or in zeros on a screen, should affect inflation. You realize these are just bs excuses for companies to raise prices and keep the profits at the top right? Things are supposed to cost less as they get easier to make and transport. Well that's all we've been doing for the past few decades. Improving how we make and transport things. Things should be getting cheaper not more expensive. So what's different? Back in the day most bosses didn't keep a majority of the profits to themselves. Telling you that things cost more because they've printed more money is just an excuse. It cost more because they want a bigger slice of the pie at our expense.
So sorry for Americans!! Get ripped off in insurance,health and sounds like your pensions are pretty low too. For such a rich country its people are treated with contempt.
Actually most jobs offer some form of health insurance. The people that complain don't have a job or are working at minimum skill job. And my home insurance in florida is cheaper than what I was paying for in California.
@@Zaakro BS, jobs in AMERICA offer little to nothing in benefits and hire workers at part time levels to keep from having to pay their employees benefits. 🙄 Americans aren't nomads that have to continuously move/shop from place to place, year after year in search of the cheapest everything!🙄 It's ungodly.
@@dianegreen1937 like i said if you work at a minimum skill job you won't get the benefits. I've had a 401k, sick and vacation time, and full medical benefits since I turned 19. I'm turning 39 this year.
@@dianegreen1937 I'll take it one step further. According to the US census in 2020 over 297 million people had medical insurance in the US. That's over 91% of country that had medical insurance.
@@Zaakro Whether it's NON-QUALITY with very few services and many limits. Not the quality/kind that our political REPRESENTATIVE receives that's PAID for though our AMERICAN TAXES! It's counted tho damn near worthless! I won't mention vision orrr dental coverage! My coverage cost are getting ready to increase and services offered are being REDUCED and I have so called good coverage. 🙄
Call me a fool, but I cancelled mine..
I just paid off my house, and if they jack mine up I am cancelling it. Insurance for anything is a scam... if it were non profit, then it would be less expensive.
Not one of those tips really helps because the insurance companies may give you a discount - just to take it away the next year.
Exactly.
My heart goes out to the man on disability. He looks like a law abiding citizen.
He looks like a human being which means he deserves his basic needs met
Duh 🙄 most people on disability are law abiding citizens
@@maranatha8768
Ah, no there not. Lol
My first wife looked like an angel.
And look at where it got him nothing it’s all most like the government want you to be a criminal hmmmm
If the home insurance issue gets much worse, it will turn into a mortgage crisis as well.
I'd blame on all the scam roofers in last couple years
Greed
AAA home insurance have set deductibles. That they will never say that any damage is more than. There only intention is to offer an affordable rate, to collect premiums and go against any rate that contractors are willing to work for. Scam all the way around.
The system is imploding..
This is disgraceful.
Ceos need to experience karma…. Maybe the people that become homeless should get together and make a “ plan”
How about a special session on this rent price
No name - keep dreaming. The Government is not coming to save you.
I don't know if they have the same ins. in Florida that they have in PA, but he should try Farmer's Homeowners ins. I did, and I lowered my premiums by a $1000 less. My ins, also kept going up, although I never had a claim, and the ins. company, Liberty Mutual, kept saying that they were applying discounts. Ok, if so, then why was it jumping $200 to $300 everytime I received a renewal notice. So I dropped them, like a hot potato.
I feel his pain, believe me, I too am a senior citizen on a fixed income who has worked for over 47 years to accumulate what I have.
Ms. L. Churchill
There's a lack of competition in Florida. All will be high. As you found, it pays to shop around every few years. Insurance companies often reward new customers more than current ones.
You can't afford home owners insurance ? Sell your house and rent a place.
that is not an option.. rent is far more expensive.
You have NO CLUE how high rents are here. It's most likely 2x what that man is paying on his mortgage
@@anniesshenanigans3815 You can downsize your home.
Anyone seen Desantis, Rubio, or Scott around? me either.
What's next. Property. Tax. Hikes. To. The home owner. Also.
FYI to all: If you don't have a mortgage or HELO on your house, you are not required to have insurance on your home. Now, there are people that will say, what if something happens and they would be right but ask yourself, how long have you owned your home and when was the last time you used your insurance??
If they are willing to insure you, then then the odds are 99.9% in their favor that nothing bad is going to happen to your home.
But if your house roof should get blown off by a hurricane, tornado, or bad wind storm and you don’t have insurance, can you afford to fix it and replace damaged contents? Replacement coverage is very important for most.
Alot of people didn't realize when prices and supply issues happen, the replace and repair to home costs more also.
That ISN'T the problem here.
@@jenniferpecha4393 it sure is, when everything costs more there is going to be spikes in everything and everywhere. Not rocket science to know that. Cause and effect.
@@eveskey7982 Do you live in Florida? If you do then you should be informed enough to know material costs are just one small drop in the bucket of "reasons" the industry is doing this.
@@jenniferpecha4393 yep and not to long ago there was a housing price mortgage crisis, but oh wait people do not want to remember past history or how to not have it come back to bite them again or happen in other areas of life. Like situational awareness, planning for life, cause and effect needs to be always first and foremost in survival.
@@eveskey7982 Hey Eve? What does any of that have to do with homeowners insurance??? There are thousands upon thousands of people who retired to Florida, planning ther lives out, who weren't prepared for this. You are just spouting drivel at this point. AND you DON'T live in Florida and find yourself dealing with this problem every single year. Don't say you live here because then its going to add liar to your troll comments.
My mother's insurance got dropped 3 yrs ago. She is on SS and cannot afford new insurance.Her roof was already leaking, and had been patched twice. Now is leaking inside the home. It is a total nightmare now. My mother and father built their home in 1956 and mom and I reside in the home. Now she has dementia and because she forgot to pay her homeowner's insurance 2 years ago, noone will help her because of being late 1 time in the last 3 yrs. I'm ready to pull my hair out!! The home is literally falling apart around us. I think I'm going to maybe set up a go fund me account. My mother is 90 and leaving the home to me. Something needs to be done, PRONTO!!
You should be working and helping out. Get a new roof !
@@living2day617 they did help prior repairs
Sure no prblm....I take care of my mother fulltime she has dementia. That is my full time job.NO FUNDS FOR A NEW ROOF
Set up a GO FUND ME ACCOUNT. Nothing to lose. Many people have and get money for a less serious issue.
@@freebird901 try to sell it while you still can.
Forget buying a home!
Ron DeSantis is busy right now fighting with the Mouse House😂
How about you put the comparison link on the description of the video?
Surprise surprise, home ownership is a risk. Lol.
1:45 Holding out on government officials to bail you should be a serious red flag. Wishful thinking.
Keep allowing building in costal areas most at risk of damage or being destroyed and everyone else bears the burden. Has to be a more fair way to price insurance
Ok tasha,well install a windmill on our roofs, jacksss....don't pay the ins, eff em...
That "Tasha Carter" doesn't know what she's talking about! Homeowners are charged a percentage of the home's value for "contents"! I am currently paying for $45,000 dollars worth of "contents"! You will never collect that though! I get "new" items in case of loss, and even then, it would never add up to $45,000 dollars! And this doesn't even include "high risk" items, guns and ammo, jewelry, paperwork like stocks and bonds, or cash! These require a special "rider policy"!
DeSantis tax break in Florida history will afford you a pack of bubble gum. Good luck Florida.
Now is a good time for these republicans to shine by getting involved in fixing this issue. However, noooo they wont but wait until November when I and a few friends vote to dump them.
Oh but don't say gay is the priority! Are you loving DeathSantis? It took him a day to pass legislation against Disney, but we have a housing crisis and DeathSantis doesn't care!!
Terrible reporting, no one will come to help this man. Discounts, really that won’t help much and cost a bunch of money
Looks like Ron DeSantis is making America great again!
The biggest problem we have here is insurance fraud!!! That’s why insurance is so expensive!!! I have people constantly contacting me to fix my roof with every little storm that we have! That’s what needs to be investigated!!! Stop the fraud and insurance prices will be more manageable!!!
What about insurance raising on peolle that haved never done a claim??? They are literally ripping off people! It's insane ain't it?
Why don't this State offer homestead status. This is for Senior's on lower income people. And it keeps the home insurance low. Look into that
There is homestead in Florida
I file my homestead every year in Florida
Still doesn’t help! Homestead doesn’t make a difference if your home insurance skyrockets!!
@@Tearflavoredcereal Sorry to hear about the insane status that's taking place out there. I think these companies are greety. They don't care for anyone's interest but there money pockets. Your Governor needs to step in and put an end this nightmare. God Bless all you good people.
@@thatoneguy94512 so glad your state offer's this. Does it help keep your insurance low? I do the same with my state. I file every year.
Face facts Folk's . The Day's of Florida being a Retiree's Paradise are long over . Unless your Wealthy and can afford the Luxury of living in The Villages ?
Please let's see if the Republicans fixes this storm that is raging.
Snow birds bye bye....
Maybe Florida's Govenor should concentrate more on Governing vs pandering to his base. CRT is not a real issue. Transgender athletes are not taking over school sports. Children are not being "groomed" to become Transgender or Homosexual in the schools. HOWEVER, HOME OWNERS INSURANCE is a real crisis.
Can I get a AMEN.
Crt is certainly an issue.
This is an issue also. Now what do we do about it
@@phsx2890 CRT is not an issue. At all. In any Public School Curriculum. It's a dog whistle. Congrats, your hearing picked right up on it.
@@steecie3045 for you it’s not an issue perhaps. But some people it is a BIG issue. Don’t teach kids hate and sexuality. Common sense
@@phsx2890 A. Hate is not part of any curriculum. You have been hoodwinked into hate and division. CRT does not exist in Public School Curriculum. The teaching of slavery is not CRT.
B. Children are not being groomed. Again, you have been hoodwinked into hate and division.
Meanwhile, I just got my Homeowners Insurance renewal. It went up 30%. One has to wonder why so much time was spent on non-issues when there are real issues that affect many many Floridians.
How much of these insurance increases are because of the rising value of real estate? I've seen houses advertised at prices 50-100% of their 'year ago' estimates.
Some of it for sure. They will automatically bump up the coverage to "replacement value" unless you specifically call and have the reduce the amount of coverage.
Seniors , stop voting for desantis !
That’s Crazy 😒 I don’t even have health insurance and wish I did I need it most people that are homeless don’t even have a house. Y’all are making it sound like you can only have a house if you have insurance.
If you have a mortgage YOU DO have to have insurance.
The bank isn't going to give you a home loan if you don't have home insurance. The home is collateral for your loan just like your car is collateral to a car loan.
Sounds like you need to sell and move to a cheaper state with no hurricanes
Well when your state is wiped out by a hurricane every couple years insurance is going to be high and what are law makers going to do besides make it unprofitable to offer insurance in Florida cause thier not going to stop the hurricanes or those sink holes for that matter
Leave !!!!
It's like they don't give a crap about homeowners... between insurance going up and electricity going up. Time to just dump the insurance, if you are mortgage free. These tips cost money so they are useless.
If your home is worth a lot, always insure it.
Vote republican thats what you get.
Taxes are next! We switched to Kin Insurance
Sell the house....get out of scam
AAA has cheap home insurance.
Whoever insures these is consumers can shop them around for lower rates. Yea, they can even increase their deductibles to at least $1,000.00 or$2,500.00. That can offer a i nice size decrease.
Do you live in florida? Because my hurricane deductible is 3k andccx will go up.because it is a percentage of your home value. Another rude surprise, they get to apply this to losses that are not hurricane related.
@@charlottemajewski5992 Unfortunately I don’t live in Florida. That’s a very high deductible, but if your home is insured for over $500,000 that’s pretty reasonable. Especially in a hurricane State
Try a $6,660 hurricane deductible in FL. Better have it saved on the side. 2% of a $330,000 replacement cost home as an example. (not market $).
The kicker is, they actually should be increasing their coverage because of the price of wood and construction supplies these days. It's going to cost much more now to rebuild your home and your old policy might not cover the cost anymore.
I owned a southern California insurance agency for many years. Left the state for Arkansas in 2004 and VERY glad that I did. insurance rate increases must be approved by each state's Insurance Commission. Florida insurance companies have been losing money for years and many have gone bankrupt trying to stay in that state. If you don't like the rates, move! You are not a tree.
0:57 Robert has a beautiful home and landscaping though.
So basically homeowners are just renting from the government
You live in an area with natural disasters, this is what you get, stop complaining. If its to much then move, simple as that.
Good reporting... Thanks.
Wait..no amount of cost cutting is gonna save you 100%!
Desantis is leading this state to a disaster
He really is. Instead of focusing on the actual things that are wrong, he instead is zeroing in on crap issues.
The great thing is, we have the means today to move if we don't like an area. Rather than sit in a state and complain all day.. there are plenty of states with other people and laws that might think like you and want similar things. Go there and be happy, don't sit around somewhere you're unhappy and complain all day. I wouldn't ever live in California.. so I don't live there, makes no sense to live there and just complain about it. We have options now
@@thatoneguy94512 it all seems easy for you. Instead fight for what's right instead of fleeing right?
@@strongtowerman9661 it is easy lol, it's easier to move anywhere in this country today than at any point in human history. Sure if you want to sit around and complain all day and in your mind that's fighting for what's right.. by all means sit around and complain. I on the other hand have 80 years at most to live.. and sitting around a town/city/county/state that no one believes in the same things as me and it's evident it likely won't change.. id just prefer to use my energy towards better things.. but do you, go anywhere and complain all day until you die idc lol.. your life not mine.
@@thatoneguy94512 And oh yeah, just why is it that you wouldn't live in California???
Heritage Insurance sent me a renewal with a 110% increase, they are thieves! KIN Insurance was able to give me a great rate and provide the coverages and deductibles I was looking for. Do yourself a favor and call KIN Insurance!
Dont know when you can retire? You can start with selling your expensive ass house and move somewhere cheaper
Lmfao how? Where? If you don't know what you're talking about just keep your mouth shut.
Expensive houses? They are talking about insurance costs.Their houses didn't look that expensive.Insurance at $3500 per year for that house/contents is ridiculous.Don't insure - the money you save could probably pay for repairs.Probably not -you live in America. Tough.
@@valsyaranamual6853 2nd guys house was easily 1mil
There isn't much that's cheaper. As out-of-state residents move in, prices have dramatically increased. $500K home not that long ago was extravagant. Now that's the price for a normal home in many areas. Maybe he could move, but to where. Small homes are being bought up to turn into rentals. Renting itself is a bad option with rapid, unpredictable rent hikes. For many, staying put is the best option.
Kevin, that you would say that just shows you actually know nothing about what is going on.
To hell with seniors
Don't get home insurance, invest the money instead.... its not everyday that your home burns down
Suppose the day after you canceled your home insurance, your $345,000 home burnt down.😅
This is what Americans have to look forward to for retirement.
You don't get to enjoy any life after working 40-50yrs
Thanks Congress
Sell the house and live off the proceeds of the sale.
So go spend a boat load of money they don’t have . Greed