belshawelk
Well-known member
My house in E Oregon in in level 4/5 fire. The Canyon Creek fire several years ago took out 72 homes. I had to look around and change polices. Not cheap but I have to have insurance. There should be option out there also depending on deductible and the level of insurance you want.
Possibility:
-Drop replacement insurance for personal items
-Raise deductible
-Verify what replacement building cost is. This is the biggest miss for homeowners. Some insurance over over insure ( to raise premiums) and some under value to look cheaper
-Drop insurance on other outbuildings. I did this because items like my quads, SXS, boat and trailers have their own insurance. why double insure
Good luck
Possibility:
-Drop replacement insurance for personal items
-Raise deductible
-Verify what replacement building cost is. This is the biggest miss for homeowners. Some insurance over over insure ( to raise premiums) and some under value to look cheaper
-Drop insurance on other outbuildings. I did this because items like my quads, SXS, boat and trailers have their own insurance. why double insure
Good luck
