It took 45 mins, but just saved 64% on my home insurance. If, like me, you haven't shopped your insurance...do so.

[MLAA]

6. That is terrible. I feel like all the hikes have been based on increasing the pool of homes they base risk on in order

to mitigate the costs of the highest risk areas. I’ve done no research and have no proof other than the agent telling me my home risk for fire and flooding was a 5 of 10 when I live in a very safe suburban area far from any forest and far from any flooding zone. My neighborhood has 550 homes. I walk 3-4 miles a day in the neighborhood. Not once in my 15 years here has there been a flood or a fire except one home had a fire in their kitchen.

I’m so sorry about your mom’s situation. We down sized when I retired, but I’m considering doing it again once it’s just me. I can’t do it now since my husband has severe short term memory problems and going to a new home would be too disruptive for him. I understand moving isn’t something she would prefer, but as things continue to worsen with climate change. Depending on where she lives, if you think her home will be at further risk due to extreme weather escalating and you think she could sell her home, it might be worth a discussion with her.

Sending you hugs for your chronic sleep disorder, that must be so difficult. 🩷