Homeowner Insurance Can't Live With It, Can't Live Without It

If your homeowner's insurance has increased due to an unwelcomed visitor "Hurricane Ike" and insurance companies have premiums which range from $1,000-$4,000 a year, take a deep breath. This doesn't mean you have to lay down and die or just sign it and cry. What I did was make me a nice cup of coffee and got very comfortable and let me fingers do the walking. I called 5 insurance companies and the responses ranged from *"________company is not writing new policies", "since your home is over 10 years old, it is considered high risk", -my home is 14 years old and is considered a senior citizen in the insurance world, anywho-, "your home is too close to the coast", " we want to make sure you are 100% covered", etc.. I finally found an insurance company that is a lot cheaper and has  been around for years that quoted me a price that would allow me to still go get a good shrimp dinner every now and then.
 I suggest going to www.opic.state.tx.us to compare your current policy with others. You can get covered with some agencies at 90% of the replacement cost and Watch your deductibles, one company said it would be great if I had a 5% deductible. Go figure. Blog me back with your comments or your stories. Be blessed!