Have experienced high increases in HO in past, shopped around to bring it down. Not in a risky area, but NC certainly had some hurricane damage lately. I've seen no increase of note for several years. We got Metlife, pay 245 a month for ~$400k house, 18 pickup, 15 BMW, and a $2million umbrella. And they take the 245 on my Fido Visa, so knock 2% off that.
We returned from 2-1/2 weeks in Europe to discover over several days various damage from lightning. TV, irrigation controller, two landscape lighting transformers and 10 lights, modem, router, landline phone, and ethernet port on new iMac. Last one Apple will take care of, but total now well over the $1,000 deductible. Won't file. For the 300-500 bucks the hassle and chance of increased premiums not worth it. Have no idea what dealing with Metlife would be like on a claim, but to cover everything for less than $3k a year I'll risk hassle. FWIW their combined package is called "Grand Protect."
We returned from 2-1/2 weeks in Europe to discover over several days various damage from lightning. TV, irrigation controller, two landscape lighting transformers and 10 lights, modem, router, landline phone, and ethernet port on new iMac. Last one Apple will take care of, but total now well over the $1,000 deductible. Won't file. For the 300-500 bucks the hassle and chance of increased premiums not worth it. Have no idea what dealing with Metlife would be like on a claim, but to cover everything for less than $3k a year I'll risk hassle. FWIW their combined package is called "Grand Protect."