I’ve had the same ins. co for 20 + years, and, although there have been small increases in the amount my house is insured for, I feel that my house is underinsured for my area. During the last 10 years, I have called AAA several times and asked to increase my coverage because the cost of repairs, rebuilding, etc. are so expensive in my area. AAA just insists that I have enough coverage to cover rebuilding costs. I’ve told local builders/remodelers my coverage amount and they just laugh. I’ve had other ins. co.s give me quotes, and they always give me a more accurate replacement cost. So, why don’t I buy theirs? Well, after so many years with AAA, I now have earned discounts on my premium. To get discounts with a new ins. co., I’d have to start all over again.

So, why does AAA want me to be underinsured? I’m willing to pay more for my insurance, so what’s their problem?

Tags: Coverage, Home, increase, Insurance, owners, wont