So we're in the process of buying a house. And one of the things that's been really frustrating about this is that it's really hard to get insurance agents to call you back. Since hazard and flood is a big chunk of the monthly cost of owning a home, you really want to know how big of a hit you're going to take when you're trying to figure out if a particular house is even affordable. And sometimes you really just absolutely have to know this stuff at 2:00 in the morning when you can't sleep.
Well, last night I ran across actual honest to god free public information, at the web site for Alpha Insurance of Gretna. Included there is the actual rate sheet for the FAIR plan, so you can know precisely what the worst-case premium scenario is for homeowners insurance. And if you scroll down a little on the Alpha site, you'll find links that will tell you what your insurance premiums would be depending on what flood zone you're in.
I found this stuff through this post on the web site of Helen Krieger, who has a real estate blog which she updates frequently. There's more good insurance info in that post, and more up-to-date real estate news in the rest of the blog.
Apologies for my lack of posting lately. I think the last time I saw the light of day was Super Sunday (pics here), and since then it's been an endless barrage of offers and counteroffers and mortgages and insurance and inspections and roller derby and hockey tournaments and concussions and work deadlines. My entire social life these days consists of my daily breakfast and newspaper and chat with my favorite waitress at The Bluebird. Everybody I know says I look tired. Yeah, yeah...but am I still cute?