Anyone else with big changes in 2018?

[snafu]

Gailette: Do you use an insurance broker to put your requirement out to bid? All insurance is covered by a couple of giant re-insurers. Variations on cost reflect agent's commissions and agency fees. Its important to know the KBB value of the car as the starting point in choosing Insurance coverage and next how various deductibles are reflected in setting their premium.

You need to know the value of the house based on rebuild cost per square foot in your community. Even in a major calamity, the land value is rarely a factor. You need to evaluate your personal effects for insurance [used furniture & goods] or replacement value which increases the premium. There are further factors and higher fees in a rental.

If premium cost is the overriding factor, I suggest you research at least 3 companies, comparing the exact same features. What are the discounts for multiple policies, age discounts, X years no claims, exceedingly low mileage, paying 12 months, paying 6 months compared to paying monthly? Lots of information online.

I hope you'll give your current policy holder the option of meeting the best price your research uncovers.

[Snave]

This will be our first full year with the photography company as our lone income. We are excited to continue our growth. However, that means everything is on us. No more 401k, company health insurance, etc... Going from full-time corporate to owning our own small business is a bit scary, but definitely exciting.

[Gailete]

This will be our first full year with the photography company as our lone income. We are excited to continue our growth. However, that means everything is on us. No more 401k, company health insurance, etc... Going from full-time corporate to owning our own small business is a bit scary, but definitely exciting.

Best of luck and it is tough especially until you get used to the ebb and flow fo the busy and not so busy times.

[bennkar]

Will be working on my GF's and my lives so she can move in with me in 2019. That's going to be a lot of work. Oh man....

[Gailete]

Gailette: Do you use an insurance broker to put your requirement out to bid? All insurance is covered by a couple of giant re-insurers. Variations on cost reflect agent's commissions and agency fees. Its important to know the KBB value of the car as the starting point in choosing Insurance coverage and next how various deductibles are reflected in setting their premium.

You need to know the value of the house based on rebuild cost per square foot in your community. Even in a major calamity, the land value is rarely a factor. You need to evaluate your personal effects for insurance [used furniture & goods] or replacement value which increases the premium. There are further factors and higher fees in a rental.

If premium cost is the overriding factor, I suggest you research at least 3 companies, comparing the exact same features. What are the discounts for multiple policies, age discounts, X years no claims, exceedingly low mileage, paying 12 months, paying 6 months compared to paying monthly? Lots of information online.

I hope you'll give your current policy holder the option of meeting the best price your research uncovers.

One of the worst things about buying insurance, is that along with electronic stuff, we have things that no amount of insurance can ever replace such as my sewing stash. I can replace my sewing machines, but not all the books and magazines and fabric, etc. Or my husbands pianos that he collects. Our house is totally unique and irreplaceable so if something happens to it, we can't replace it. All we would ever get is a new place to live. I could start a new sewing stash, but I don't think hubby would keep collecting pianos.

[Fishindude77]

No more going in to a job in 2018

[Gailete]

No more going in to a job in 2018

Good for you!