Geico, and/orOnline insurance quotes

[plowhog]

Chances are the utility company is only interested in inspecting their infrastructure not spying.

There is much more to this story, but I cannot reveal it just yet.

A hint is that although laws regarding privacy and secretly recording others are quite explicit, and quite strict in many states, some exemptions exist for certain agencies/orgs to legally circumvent those laws. Then if the agency/org subcontracts with a 3rd party private company provider, who *sort of* gains such access (or exemption) based on a contract, it gets even murkier about who can fly spy drones across your private property, maybe peeping on your sunbathing wife or a whole host of other things, etc.

If they are flying above the lines and looking down, they are also seeing and recording you and your land as a permanent record. At what point are they required to turn you in for an illegal marijuana grow? At what point do they share their footage with the building department to scan or inspect for illegal room renovations or additions? And many other possibilities. Is one of your children handling or shooting a gun while on your property? Oh my, call the police! Did you add a wooden patio deck without a permit? And in water-weary CA, are your sprinklers operating on the wrong day, or causing runoff going down the street? Oh my, violations of law!

I don't have an illegal pot farm, or a naked sunbathing wife. But I do have a different conflict that is on-going on this very issue. The creep of big brother is infiltrating us quite often without our knowledge it is even taking place.

 

[5030]

The two ways to reduce you policy cost is to one: Increase the deductible and two: drop the coverage to the minimum required by your particular state. In my case because we are a bona-fide working farm, I deal with a physical agent who underwrites Hasting Mutual and we have been with them for decades now.

Here in Michigan, we come under the State's Right to Farm act and as such we cannot ever get cancelled for any claim not the frequency of claims for that matter. I do know, at least here in Michigan, an ordinary (not RTF) policy, your carrier can cancel you if you have 3 paid out claims in a one year period. Know someone that happened to and he had to get 'high risk', high premium insurance for 2 years before he could revert back to an ordinary standard policy. I 'educated' him to the RTF laws and when he switched back, he also applied under RTF and got a new policy at much lower cost and he used the same company I have been using for decades now.

Because my equipment as well as my pickup truck (farm truck) is not used all winter and is in secure storage, I reduce the my policy premium to reflect that not in use but in storage all winter and I do that every year. In fact my agent does it without me calling him now.

Insurance is never cheap, just like Real Estate taxes aren't. Simple fact and I'd never insure any of my stuff online, simply because of the complexity of what we insure. Being cheap is not always a good thing, especially if you have a claim. Insurance companies are there to make money, just like any company is, including our working farm.

 

[ultrarunner]

Online and faceless is what I’m seeing.

 

[kenmac]

Not sure I'd call that a "downside". If you wanna live where there are few restrictions on what you can do on your own property you'd better be willing to accept that the same applies to your neighbors who may or may not share your views on aesthetics.

What if? Someone could see your property using Google maps too. Chances are the utility company is only interested in inspecting their infrastructure not spying.

Oh, If I had issues with it, I would move. But I like living free of all the rules and regulations many of you live under

 

[kenmac]

Appears to be closed