consider the source, take it for what it’s worth - yada yada
My neighbor across the street works for State Farm and excitedly told me that my ZIP Code is an area where State Farm is writing new policies. That was news to me because everyone is getting out of the state, and State Farm has been trying like hell to not write policies.
We have an insurer of last resort in Louisiana I’m sure you are aware of, Louisiana citizens insurance. When I told my neighbor I was surprised State Farm was writing hurricane policies, he then told me that the new State Farm homeowners policies include everything but wind and hurricane damage.
When I asked him who the hell would buy those, he told me that you could get a hurricane only policy from citizens and get the State Farm policy, ensuring the normal fire and liability coverage - and the cost of the two is cheaper than the cost of buying one hurricane coverage policy under our current situation.
I have no idea if that is accurate, or if there’s any validity in trying to find two policies that provide coverage for the one traditional policy, so I’m just throwing it out there for anyone to investigate if they are having homeowners coverage problems.