Off-Topic: Agree on the complacency...

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	Name:	Barneget -
	Subject:	Agree on the complacency...
	Date:	1/13/2012 11:34:37 PM (updated 1/13/2012 11:43:03 PM)

Our experience is far different than yours, and would never want to be in the position that you, and thousands like you, were forced in to following Katrina. BiL paying over $7k/year for wind policy on home in Point Clear that suffered ZERO DAMAGE in the series of storms a few years back. Thats the equivalent of an in state semester at UA or AU, or 6.3 weeks at Spring Hill. I comp shop every 2 years, looking at Cinci, Farmers, ALFA, Lib Mutual for Alabama p&c. My findings are they may win on one line, like homeowners, or auto, or some combo with umbrella, but the bottom line total has yet to beat USAA. Plus, with personal exposure in Florida and Arkansas, it is just so darned easy to push one doink button each month. My inlaws nearly lost their Perdido Bay home to Ivan in 04. That storm brought 7 feet of water through their first floor. The wind worked its magic on the rest of the structure. USAA covered ALL exterior damage and personal belongings, while the flood insurance rebuilt the interior. Fortunately for them, the guest house, on a slightly different elevation, suffered minimal damage and they were able to live there while their home was rebuilt. I kept a Cal 28 at PNYC, insured by USAA, lost to Ivan. Received a check within 2 weeks of them finding it at the bottom of the heap. Even if some other companies premium totals were to beat them, I would have to think long and hard about changing based on my claims experience.