Absolutely agree with you, except homeowners insurance should be exactly
that..no more no less. You should not need any other type of rip off
insurance to cover your home. One policy, one coverage..anything happens to
your home it's covered period! But NOOOOOOO we can't do that because the
insurance company whose sole purpose is to cover "accidents" and "mishaps of
nature" think there is supposed to be no risk involved . The only reason we
get insurance is to cover the "chance" of something happening,...well and
because our government makes us get it( cars especially), which in turn lets
the insurance vultures set whatever rate they wish. Think about it, have you
ever seen a full-coverage car insurance policy that did not pay for a cars
water damage, or being destroyed by a tornado, earthquake ? Why should the
homeowner's policy be any different?

Patrick

"Gig 601XL Builder" wr.giacona@coxDOTnet wrote in message
news:C9yBe.40269$DC2.25482@okepread01...

"W P Dixon" wrote in message
...

Homeowner's insurance that is supposed to cover your home,..but WAIT you
must have earthquake insurance and flood insurance extra!!!! Nothing but
price gouging, IMHO. If the insurance is just we pick and chose what we
cover, then is it really insurance,...or just flushing money down the big
huge toilet!!! Sometimes I wonder.


Eathquake and Flood are different beasts than the other things homeowner's
policies cover. If you live in the 100 year flood plain or in an
earthquake fault area it's not an issue of if those things are going to
happen it is a matter of when.