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Thursday, August 05, 2004

House Stuff

Shopping for Homeowner's Insurance sucks. It's way harder than shopping for car insurance. The first big question is what is the reasonable replacement value of the house? Me, I have no clue in the world. Not a one. The appraiser says $266k. The Farmer's agent says $136k. Everyone else falls somewhere in between.

The other thing that cracks me up is that when I talk to some folks (usually folks involved in the process in some way) and I tell them the date escrow closes, they say, "Oh, so we've got plenty of time." Then whenever I talk to friends or coworkers and say the same thing, they say, "Oh! Soon!" I'm somewhere in the middle there, looking at all there is to do between now and then, and thinking, yeah soon, but also thinking, "it's okay. I've got four weeks until we move." This leads to intermittent bouts of not feeling stressed about it all, and then suddenly feeling very stressed. Some would say it's because I'm a Gemini. I would say it's my project management leanings - Yes, I can do this, there's a solid plan. Yes, there is a lot to do. Both answers are right. Occasional moments of panic are to be expected. I can deal.

Meanwhile, there have been moments today where I just want the internet to sit up and do tricks for me, and it just hasn't cooperated. Sometimes I just wish it would provide me with a good story or some interesting news or something on demand, and it just never seems to do that when I'm really looking to just chill for a few minutes. Guess I'll have to go home and see what Tivo's got for me. Sadly, after five, most of this house stuff comes to a grinding halt.

3 Comments:

  • The thing to remember with house insurance is that you're insuring what it would cost to rebuild your house from the ground up should a major disaster. So stay away from the low bids as they likely won't be enough money to do the job right. Also keep in mind that you can probably negotiate your deductible a little bit. Should a major disaster hit the size of your deductible can make a big difference.

    btw, have you had any thoughts on earthquake insurance?

    There really should be a class on home ownership. I knew so little going in and have learned so much over the last three years.

    By Blogger John, at 12:02 PM  

  • Oh, for the love of all that is holy, stay away from farmers!! Not only are they the bastards who have been making my life a living hell for the past several months, but I hear they're just as stingy on the other end. They try to maximize their profits by using whatever gtechnicalities they find to avoid paying the full amount to the covered parties, and then turn around and sue anyone else involved to make up the rest of the difference. They're slimy little bastards.

    By Blogger Ray Hill, at 12:42 PM  

  • Clark Howard, a radio consumer advocate, says that Amica is number 1 rated home insurance company. I went through them. They seemed to have good rates for good amount of coverage.

    By Blogger Kevin, at 12:59 PM  

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