It’s interesting to me that so many of my daily one-card tarot readings talk of good fortune, windfalls, and such. I don’t really believe what the cards say because each reading negates the previous one, and the cards aren’t always positive, but I have come to believe that things are going to go well for me financially. So when things don’t, I feel affronted. I mean, how is my house insurance going up by 25% good fortune? It seems like a huge increase, though perhaps with more people staying home there are more claims? Or the weather in the area has been more damaging this past year? Or the company took a huge hit because of all the wildfires in the Colorado last year?
This particular area has inordinately high insurance rates, anyway, but whatever the reason for the increase, it isn’t good fortune! Or maybe it is? I guess I could consider myself fortunate that I’m not one of those who had to deal with damage.
It’s things like this — huge increases in expenses that aren’t reflected by increases in income — that made me not want to ever own a house, but I’d be paying it one way or another anyway. If I were still renting, the rent would go up to reflect the current insurance rate.
Luckily, once I get over the panic and affront of the higher rate, I’ll be okay for now because I am working, and so will have enough to pay the bill. Even more luckily, once it’s paid, I won’t have to think about it for a year. It does make me glad I didn’t reward this particular insurance company by switching my car insurance over to them. I would have saved a bit on the house insurance, but my car insurance would have gone way up, so I’d still be in the same position.
I did talk to my insurance agent in case there was a clerical error. Unfortunately, it wasn’t an error, though she too was shocked by the huge increase. She’ll look around to see if she can find a better deal for me, but back when I first got the insurance, this current company was by far the better price.
I really shouldn’t even be writing about this — it’s not anyone’s problem but mine — but it is on my mind, and writing about what I am thinking is how I get rid of unwanted thoughts, and I really don’t want these thoughts in my head!
***
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Bertram's Blog 
January 20, 2021 at 1:11 pm
I wonder if the property improvements (sidewalk/garage) added value to the property and increased he premium.
January 20, 2021 at 5:42 pm
It increased the value of the property and it increased the current premium by $30 per year. But this premium went up an additional 25%. Pretty spooky.
January 20, 2021 at 8:12 pm
Sometimes it’s worth checking with the company to get justification, in case the increase is because of an erroneous or easily corrected factor.(eg error in credit report, or them thinking you have wood heat).
January 20, 2021 at 9:19 pm
I checked with my agent, and she said there wasn’t an error. I didn’t think of checking with the company itself. I should do that.