Originally Posted by Paul G.
I'd double check your insurance. Â*A guy I've known since 4th grade is my insurance agent and he had to write in the earthquake protection after there was fairly large (ie it rattled my china cabinet) about 100 miles from here in Ottawa. Â*Joel added it (for no cost) as the way it was written before, in this area, earthquakes are considered an infamous "act of god' by the insurance companies. Â* Since Chicago is not on a major fault it is consequently not covered. Â*With you being fairly close to the New Madrid fault, I'd look into it....especially if the guy is an idiot as you said. Â*
That's a good point. I'm going to look into it. I do worry sometimes about being on the New Madrid fault. I remember when I was in high school, there was some seismologist who predicted a major earthquake in the St. Louis area on December 4th, I think. A ridiculous thing to try to predict. Nonetheless, people skipped school that day.
It is something I think about sometimes.
Yeah, I am somewhat dissatisfied with my agent; I just don't like the way he comes off.
Also, one of the things that makes me mad is the stupid high deductible on my car insurance since I moved to downtown St. Louis, versus what I paid in small town Illinois. It makes me mad that I'm SOL if some hoodrat decides to smash my window out for some loose change. They already broke the spoiler off of my Celica, and I didn't feel like spending the money out of pocket to get it fixed. My agent told me my deductible is $500 whether my car is moving or not. Does this sound right? I'm no expert, but I thought there was sometimes a distinction.
Meanwhile my brother who lives with me, had his window smashed in our parking lot and his insurance company Country Companies(the office was in Illinois, and his car was still registered in Illinois) paid for the whole thing. He even got his deductible recouped). They really took care of him. Meanwhile my agent basically told me that if I had my car broken into that it would be tough luck. I hate it.
The ironic thing is that where I lived in Illinois was in Madison County, which is NOTORIOUS for it's lawsuit crazy ways. It's a frivolous lawsuit paradise. Personal injury, malpractice you name it (oh, I could tell you guys some REAL stories about Madison County--also, doctors are fleeing in exodus to other states because of the sky-high malpractice premiums)....and still my insurance premiums were much less than in St. Louis.
So yeah, I am going to look into getting a different agent. I like State Farm in general, I just don't like my agent. I wonder if I could just switch to another State Farm agent.
Who do you have Dr. Bubba? Send me an IM if you want and let me know who you have.
Actually I'm thinking about building a big shelf for my drobe. Right now most of my stuff is on the floor in a big cardboard box. I would definitely want to have every assurance that my collection would be covered if an earthquake toppled such a shelf.
I'm a procrastinator, but I think I should get around to looking for a different insurance agent. I'd like to remain with State Farm if I could, but it's not set in stone.
Oh, and to answer your question Rockford, yes my premium is higher because of the "10,000 CD's " thing. It's not too bad, my renters insurance is reasonable--about $170 for a year. The stuff I'm most concerned about is my music equipment-guitars, keyboards, digital recording equipment etc. But i've blown a big wad on my colognes and I need to get them listed as assets. Of course we'll see what happens if the sh*t ever hits the fan and I need to file a claim.