Homeowners Insurance Ny

NC insurance customers irked by policy linking

The last time the industry sought a rate increase on homeowner premiums, it asked for 19.5 percent. State regulators opposed that, and the industry ended up settling for an average rate increase of 3.9 percent that went into effect in 2009.

But the approved rate increase varied widely, depending on location. Coastal areas saw a 29.8 percent jump. Triangle rates rose 2 percent to 5 percent.

Over the past decade, the industry has never received more than roughly one-fourth of what it requested.

The result of the state insurance commissioner's regulation of homeowners insurance rates is that the industry typically receives just a fraction of the rate hikes it requests.

Staff writer David Ranii

dranii@newsobserver.com

Gary Puffpaff was irritated when he got a letter from Allstate Insurance informing him his homeowners' policy wouldn't be renewed because he had his auto insurance with another company.

Not only did Puffpaff question whether the insurer's action was legal - which, it turns out, it is - but he also was upset because Allstate canceled his auto policies a half-dozen years ago after he filed three large claims.

"Every time I see their commercial I laugh about what they say, because I don't believe a word ... about (how) they take care of you and all that," said Puffpaff, 61, a repair technician who lives in Charlotte. "They only want your money."

This year, two of the most popular underwriters of homeowners insurance policies in North Carolina - Allstate and N.C. Farm Bureau - have adopted underwriting guidelines that link homeowners policies with auto policies across the state.

Both companies cite economics as the reason for their stance.

In the case of Allstate, if you don't have an auto insurance policy from us, they're telling customers, your homeowners policy won't be renewed.

The Farm Bureau's guidelines are slightly different, winnowing out those who don't have a Farm Bureau auto policy and who also have filed a claim on their homeowners policies within the past five years.

What are the 10 most dangerous breeds of dogs in NY causing ...

Http://www.atts.org/statistics.html

the reason rottweilers and pit bulls have such a bad rep is because there is more of them around, and if they do decide to bite, the are stronger, and so do more damage than a smaller, weaker dog, and so of course it makes the news.

the results in the above website are derived from temperament tests, not strictly aggression tests, but a more overall view of canine behavior in our human environment: “the sum total of all inborn and acquired physical and mental traits and talents which determines, forms and regulates behavior in the environment” (atts web site)

according to the test results, considering only breeds where over 200 members of said breed have been tested, the breeds with the lowest “pass” rates are as follows:

Shetland sheepdog (67.9%) the total average for all dogs tested is 81.6% pass rate, and the “big three” all have better pass rates than the average. that being said, the vast majority of ALL dogs have a good temperament. less than 19% of all have a bad temperament. Also, these test results do not mean that 19% of dogs will bite, it only means that they show signs of unbalance, stress, temper, fear etc… under stressful circumstance

also, keep in mind that in general our pets have great temperaments with few exceptions, and that the results are very close for almost all breeds.

so even though the insurance companies seem to feed on media inspired fear, and of course will take any excuse to drop a paying client, don’t let their biases feed your own prejudices. take each dog as it comes, and if you are shopping for insurance, talk to a broker. there may be ways around it.

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