What really ticks me off is there are seemingly no levers to pull to financially convey to an insurance company that I will only ever call them for a large catastrophic loss. Raising deductibles on car or home affects the rates very little. Meanwhile I've seen friends call their insurance companies to handle ice dams, oil burner blowbacks, getting a new roof ("wind damage"), or the inevitable water catastrophe in a finished basement. I suppose their rates go up later to compensate, but it still feels like I myself am not ever going to be contributing to the bulk of claims.
I'm honestly quite close to just saying no thank you to home insurance, but the things stopping me would be the lack of liability protection (even though once again I'm very low on the risk side here), plus the anti competitive scheme they've set up whereby if you go uninsured for a bit, then that's a black mark against you in the future. Perhaps there could be some wiggle room with deeding the house to a trust/LLC and then back (so that during my personal ownership it was never uninsured), but I haven't taken the time to really think that through.
Another thing that needs to happen is a statutory maximum for property damage liability to passenger cars. We've always had expensive vehicles on the road, but they've traditionally been heavy working vehicles and easy to fix. Whereas now, if you've made the choice to drive around an aluminum framed car that is going to require expensive disassembly, inspection, and rework for what would have otherwise been a fender bender, then you yourself should be paying the increased premiums to cover that cost.
Also, (obviously) the health care extortion racket needs to be set straight. It feels like one of the big reasons healthcare providers bill fraudulent prices is because of the big payday when auto insurance gets stuck paying.
I'm honestly quite close to just saying no thank you to home insurance, but the things stopping me would be the lack of liability protection (even though once again I'm very low on the risk side here), plus the anti competitive scheme they've set up whereby if you go uninsured for a bit, then that's a black mark against you in the future. Perhaps there could be some wiggle room with deeding the house to a trust/LLC and then back (so that during my personal ownership it was never uninsured), but I haven't taken the time to really think that through.
Another thing that needs to happen is a statutory maximum for property damage liability to passenger cars. We've always had expensive vehicles on the road, but they've traditionally been heavy working vehicles and easy to fix. Whereas now, if you've made the choice to drive around an aluminum framed car that is going to require expensive disassembly, inspection, and rework for what would have otherwise been a fender bender, then you yourself should be paying the increased premiums to cover that cost.
Also, (obviously) the health care extortion racket needs to be set straight. It feels like one of the big reasons healthcare providers bill fraudulent prices is because of the big payday when auto insurance gets stuck paying.