Shannon Clark1d ago

so another sign that we have the right insurance company (which yes is a rarely held sentiment) - got a letter in the mail from them about a change of address form we recently filled out and the adjustment they would be making as a result.

That adjustment - they are lowering our premiums.

(without us asking or doing anything complicated)

AAA Insurance if you are wondering we've had them for years and been surprised multiple times by how good they have been (when we've had claims included)

Show threadShannon Clark1d ago
and I realize that this is a rare thing - and that many people have the usual bad experiences with insurance companies (including neighbors who have had AAA insurance - though in one case it was a reasonable if unwanted request by AAA - before they would renew my neighbors home owners insurance they required him to complete a roof repair he had been putting off as he wanted to a larger renovation
Show threadShannon Clark
but it is a reminder that when run ethically (and my interactions with them haven't given me any reasons to doubt that) Insurance is one of those often unseen and not thought about underpinnings of a society that works well - car insurance covers the owners of vehicles when they are damaged - but also covers others when those drivers as we are all apt to do someday have an accident. Likewise home owners insurance isn't just about meeting the requirements of a mortgage issuer (cont)
Mar 21 at 11:18pmWeb
Show threadShannon Clark1d ago
it is about coverage that covers friends (and strangers) if an accident occurs on your property and about coverage of (most) damage to your home which in turn benefits all your neighbors when you can fix your home vs having it sit damaged for years. (wildfires and earthquakes both have complex issues around how/if they can be covered by insurance - in part because they often mean everyone in the same neighborhood is impacted at the same time.