7 Worst Places to Buy Homeowners Insurance

Posted September 20th, 2010
by HomeownersInsurance.org Staff (1 comment)

Some places are just more dangerous to live than other places. Whether because of natural disasters, or high crime rates, the homeowners insurance in some parts of the country are simply more expensive than in other, safer parts of the country. Below are some of the worst places as far as insuring your home is concerned:

  1. Southern California: Let’s face it; we’re all convinced it’s going to fall into the Pacific Ocean someday. Their regular earthquakes make sane people ask who would ever want to live on a known fault line anyway. On the other hand, mile upon mile or beaches and bikinis kind of answer that question for us.
  2. Kansas: In case you haven’t seen the Wizard of Oz, Kansas has a slight reputation for twisters. And given the flat conditions, when a tornado rips through Kansas, it can tear a lot of shit up in a hurry. Of course, this means that people who live in the area get to pay a little extra for homeowners insurance.
  3. Florida: The whole damned state is a hurricane waiting to happen. While there’s no doubt the climate is beautiful in the winter time, you can lose everything you own in a hurry.
  4. Iowa: Have you ever noticed how often this state endures flooding? The worst part is that most homeowners policies don’t even cover flood damage unless your policy specifically states that it does. Make sure you get homeowners insurance and flood coverage if you’re going to live in corn country.
  5. Detroit: As the population dwindles, and necessary cuts are made to police and fire protection, the city remains top of the charts in the United States for violent crimes. Detroit leads the way in a number of violent crimes, and breaking and entering and arson are common occurrences.
  6. The rest of Michigan: It may not be more dangerous than other states as far as damage to your home goes, but with the country’s worst economy, and a rating as the least friendly to businesses in the whole country ensuring that it stays that way, you’ll be lucky if you can afford homeowners insurance at any price.
  7. New Orleans: Who the hell had the bright idea of building a city below sea level in an area prone to hurricanes? Turns out, it was the French, who are probably laughing their asses off about it these days. In addition to the potential damage from hurricanes and flooding, New Orleans has the highest murder rate in the country. While murder doesn’t make your homeowners insurance premiums go up, it’ll sure ruin your day if you’re ever the victim.
Categories: Natural Disasters

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  • Posted September 22nd, 2010 by Inglewood Real Estate at 7:43 pm - Reply

    By the looks of it, Iowa people are going to be pissed! lol. But yes, I live in Southern California and I am unsure about whether or not the the San Andreas fault separates on the next big earthquake is going to make us an island.


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