Just found this on MSN Real Estate:

Discussion in 'Legal & Political Archive' started by deen_ad, Mar 12, 2013.

  1. deen_ad

    deen_ad
    Vancouver, WA
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    11 things that make home-insurance rates soar - MSN Real Estate

    Deen
    NRA Lifetime Benefactor Member & Recruiter
    Washington Arms Collectors Member
    SouthWest Washington Arms Collectors Member
    Second Amendment Foundation Member
     
  2. Kable

    Kable
    Lynnwood
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    They love the figure 40% but the data is always old or shady
     
  3. tunus

    tunus
    PDX, United States
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    Interesting. I recently called my agent to bump my home liability coverage for this reason and he didn't even charge me extra for the higher limits.
     
  4. Modeler

    Modeler
    Molalla, Oregon
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    Yep, never been asked such a thing.
     
  5. pokerace

    pokerace
    Newberg
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    what insurance co.//
     
  6. tunus

    tunus
    PDX, United States
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    Farmers insurance.
     
  7. huthuthike

    huthuthike
    Hillsboro OR
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    No, "the risk of homicide increases by 40%" means that if it was 1% chance without guns it is 1.4% with guns. Or is it is .10% then it is .14% with guns in the house. It also doesn't say how many of those are self-defense or justified homicides.
     
  8. Modeler

    Modeler
    Molalla, Oregon
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    I've had Farmer's as long as I've been a homeowner, I don't recall them ever asking that question. OTOH, I wasn't much of a gun guy when I bought the house 8 years ago.

    Looks like I'll be calling my wife's insurance agent and taking him up on his offer to switch to Allstate.
     
  9. OLDNEWBIE

    OLDNEWBIE
    State of Flux
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    Living in a home with hard drug users/dealers or other low life violent criminal types that are not legally allowed to possess a gun, increases the chance that a gun is in the home by 85%. These types end up being killed with a gun 90% more often than law abiding citizens.

    These statistics are pure fiction as well but are probably more accurate!
    :bsflag:
     
  10. tunus

    tunus
    PDX, United States
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    I have been happy with farmers for home insurance and just switched to them for auto as well. Had allstate for auto before the switch and their premiums were 30% higher than what farmers offered. I have a good friend who is a farmers agent and has been able to give me excellent coverage for reasonable premiums. He suggested I consider an umbrella liability policy should an incident occur away from home. The cost was around $150/year for $1mill coverage. It's an extra layer of asset protection.
     
  11. BigStick

    BigStick
    Sherwood, OR
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    Not sure I trust the study, I would have to read all the details to get the context and what they were actually measuring, but as for insurance. All my State Farm agent asked was what value I had in firearms to make sure the replacement cost was covered. I'm throwing the propaganda flag on this one.
     
  12. tank3d

    tank3d
    Eugene
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    I have state farm. Not only do they know I have guns...I have my collection insured by them. Costs me like $40 a year with total replacement insurance..no deductible. I if drop a gun in the forest and lose it, they replace it for free.
     

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