this post was submitted on 23 Apr 2024
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I do actually think it’s bullshit that insurance companies are basically ever allowed to drop customers. Nah bro, you’re stuck with them.
Insurance on homes should only change with a sale. If someone buys a house and you say you’ll insure it, you’re stuck insuring them until they move. No increasing prices, no dropping customers. You can certainly say “We’re not going to insure that home, don’t buy it.” but if you say you’ll insure a home that’s the end of it.
Maybe, maybe, we can give them the option of paying out the full value of the policy to end it. Like, you can decide to act as if the home was fully destroyed and cut your losses if you really want to, and then that family can buy a new home somewhere else.