Insurance Companies

Don't you just love yours? I have spent hours on the phone, retrieving old documents, faxing documents, etc.to get home owners' coverage I thought I already had. You pay, you pay, you pay, but behold one day you receive the letter. Your insurance carrier is no longer renewing policies. Making timely payments and having excellent credit doesn't help you. Having no claims doesn't help you. It causes one to wonder how state regulations work. Insurance companies love you as long as there are no claims, and not just no claims from you. They love it when there are no fires, floods, or theft of any of your neighbors. You lose your insurance if the company has to pay any claims in your state. They are so happy to take your money all the years there were no perils...no freaky nature mishaps. The sad ending is that we can't not have it - the law and the mortgage company says we must! We must pay,pay,pay. Just please don't ask them to pay,pay,pay. Looking on the bright side, maybe I won't go to jail,jail,jail!