[ErnBatavia]

I realize that every instance can vary greatly, but after the Northridge earthquake, State Farm was literally throwing money at us...finding cracks in places we'd never have considered.

If a light bulb had broken, that entire room got recarpted....if there was a hairline crack around any window, that entire room got repaired and repainted. When the adjuster noticed a few newer cracks the patio and cinderblock walls, the patio got ripped out and repoured, and for the walls, we received a "per foot" settlement.

[annieokie]

good for you folks. Our State Farm insurance rates are going up every year and they want to pay less and less. I have an instance of a claim they did not want to pay (which I will not get into at this time). It was a rental, I dumped the house on the cheap............

I am at the age that I am thinking of dropping my homeowners ins. save the money and pay for any destruction out of my own pocket, since we have to pay for it out of our own pocket anyway, why pay them for nothing. Yes, it will be a crap shoot, but at my age 10 to 15 years left of my life, I frankly don't care if the house falls or burns down in year 6,7,8 or 15 years, sell what's left on the cheap.

Add the money I saved from buying insurance to my other savings and go live somewhere else.