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5+ hour, 2+ min ago (1194+ words) Nearly 15 years ago, Gerard Braud and his wife bought a raised cottage home in Mandeville, nestled on a sprawling yard with a live oak tree overlooking Lake Pontchartrain. He thought they would spend the rest of their lives in it. Life was affordable. His insurance premium with Lighthouse, a small company based in Louisiana, was around $4,400 a year. Then the storms came. He managed to avoid major damage from Hurricane Ida and other storms that hit south Louisiana in recent years. But Lighthouse went belly up in 2022, one of 12 insurers doing business in Louisiana to fold in the two years after Ida. Four years after the storm, he still can't find anyone willing to write him a policy. That forced Braud to get insurance from the state's insurer of last resort, Citizens, which charges him north of $12,000 a year for…...

5+ hour, 2+ min ago (1194+ words) Nearly 15 years ago, Gerard Braud and his wife bought a raised cottage home in Mandeville, nestled on a sprawling yard with a live oak tree overlooking Lake Pontchartrain. He thought they would spend the rest of their lives in it. Life was affordable. His insurance premium with Lighthouse, a small company based in Louisiana, was around $4,400 a year. Then the storms came. He managed to avoid major damage from Hurricane Ida and other storms that hit south Louisiana in recent years. But Lighthouse went belly up in 2022, one of 12 insurers doing business in Louisiana to fold in the two years after Ida. Four years after the storm, he still can't find anyone willing to write him a policy. That forced Braud to get insurance from the state's insurer of last resort, Citizens, which charges him north of $12,000 a year for…...

8+ hour, 2+ min ago (199+ words) Source: The Coin Republic The report, published on November 19, suggests that for many Americans born in the 1990s, the traditional path of "work hard, save money, buy a house" has completely broken down. In its place, a high-stakes casino mentality has taken root. Furthermore, with the goal of a mortgage off the table, spending habits become more immediate and hedonistic. Discouraged renters were found to spend roughly 10% more on credit cards than homeowners with identical net worths. The overall idea is quite simple; if someone cannot obtain a $100K deposit to buy property " then they might as well enjoy their current $1K. Economic resignation also has developed in regions of the world that are beyond North America. An example would be the effects of youth culture in Asia due to high increases in urban property values and a lack of housing available. As…...

17+ hour, 2+ min ago (152+ words) (Note: Thank you for supporting businesses like those presenting a sponsored message below and ordering through the links below, which benefits Gateway Pundit. The post One Way To See If You Are Overpaying for Your Home Insurance Coverage appeared first on The Gateway Pundit. Home insurance rates are skyrocketing across America, leaving responsible homeowners footing higher and higher bills " even if they've never filed a claim. It's not fair, and it's not your fault. But there's good news: you don't have to accept it. With one simple online tool, homeowners are finding better coverage for less " sometimes saving $1,000 or more a year. It's fast, free, and takes just minutes to compare dozens of top-rated insurance companies. This isn't about cutting corners " it's about protecting your home, your savings, and your peace of mind. If you own a home, don't let…...

1+ day, 53+ min ago (394+ words) Research has shown that most Colorado homeowners do not have enough insurance to rebuild after a loss. The findings focused on households affected by the 2021 Marshall Fire and reveal how rising risks are leaving families exposed. According to The Conversation, the study, published by SSRN, examined 3,089 insurance policies held by people whose homes were destroyed in the Marshall Fire, which burned more than 1,000 houses in Boulder County. It found that 74% were underinsured, and 36% had policies that covered less than 75% of the cost to rebuild. The researchers wrote that "over the past five years, insurance premiums in Colorado rose nearly 60%," driven by increasing wildfire, hail, and other natural disasters. They said the pattern reflects a broader national reassessment of risk. "Even for households with incomes above $180,000, 72% held policies that did not cover the cost of a complete rebuild," the study said....

1+ day, 7+ hour ago (575+ words) Successful reforms targeting medical malpractice in 1975 and workers' compensation in 1991 solved Louisiana's insurance crises of those times. Putting the current auto liability crisis into that historical context may help provide a path for the present. In 1975, Louisiana enacted medical malpractice reform legislation aimed at addressing the escalating costs and diminishing availability of medical malpractice insurance. The legislation introduced a cap on noneconomic damage and limited awards for pain and suffering to $500,000, while allowing unlimited economic damages. This reform was designed to stabilize the medical malpractice insurance market, reduce the burden on health care providers and ensure that patients still had access to necessary medical services. At the same time, legislators created an underwriting entity, the Patients' Compensation Fund (PCF), to spur the market. Today, this insurance market is stable, competitive and healthy. In 1991, Louisiana passed comprehensive workers' compensation reform legislation…...

1+ day, 20+ hour ago (722+ words) A recent investigation by The New York Times revealed that California Insurance Commissioner Ricardo Lara struck a secret deal with insurance companies, giving them regulatory favors while allowing them to dump tens of thousands of policyholders. It was a bombshell. But for those of us living through this crisis, it wasn't news. As survivors of the Los Angeles fires, we've spent 10 months inside the collapse of California's insurance system. In a survey of insured L.A. fire survivors, 70%report their recovery has been impeded by delaysand denials. A system that should be a safety net has become a wrecking ball, destroying our finances, our health and the futures we've worked so hard to build for our kids. California's recovery is being dragged down by the collapse of its insurance system and by one official's failure to stop it. California has some of…...

2+ day, 4+ hour ago (1596+ words) A for-sale sign is displayed on a roadside in October, in Lafitte, La., where high insurance costs have driven residents to sell. Changes in the insurance market have started to affect home prices in the most disaster-prone areas, new research finds, pushing some homeowners" finances to the breaking point. (Emily Kask/The New York Times) Even after she escaped rising floodwaters by wading away from her home in chest-deep water during Hurricane Rita in 2005, Sandra Rojas, now 69, stayed put. A fifth-generation resident of Lafitte, Louisiana, a small coastal community, she raised her home with stilts. But this year, her annual home insurance premium increased to $8,312, more than doubling over the past four years. She considered selling, but found herself in a dilemma. As insurance costs have risen, area home values have fallen, dropping by 38% since 2020. The roadsides around her house…...

2+ day, 19+ hour ago (740+ words) Before you depart for your winter retreat, ensure you're prepared for any surprises that might arise, or else you could be on the hook for repairs. Winters in the south can be spectacular. There's nothing like having the sun kiss your cheeks, forgetting the bone-chilling conditions you left for the tropical oasis you're currently enjoying. But as snowbirds know, your home is left behind and has to deal with any harsh winter conditions it encounters. And if you return home and find damage, you might be in for another surprise: Your provider might not cover it. Because of that, you'll want to address these common insurance gaps before taking off for the winter. Say you return home after a restful season, only to discover some minor damage from a leaky roof shingle. No worries, you call your home insurance carrier…...

2+ day, 19+ hour ago (740+ words) Before you depart for your winter retreat, ensure you're prepared for any surprises that might arise, or else you could be on the hook for repairs. Winters in the south can be spectacular. There's nothing like having the sun kiss your cheeks, forgetting the bone-chilling conditions you left for the tropical oasis you're currently enjoying. But as snowbirds know, your home is left behind and has to deal with any harsh winter conditions it encounters. And if you return home and find damage, you might be in for another surprise: Your provider might not cover it. Because of that, you'll want to address these common insurance gaps before taking off for the winter. Say you return home after a restful season, only to discover some minor damage from a leaky roof shingle. No worries, you call your home insurance carrier…...