Thread: Homeowners Insurance

Originally Posted by mistressB

i don't think that it's fair that people who don't have children who go to school should have to pay taxes for school. like me, part of my taxes goes to schools. i homeschool and we don't get any kind of tax breaks for our supplies that we have to buy either.

I don't think it's fair either but I don't know a thing you can do about it. I wish there was. Our son has been out of high school since 1988. Still, we got to pay.

I'm looking at my mortgage statement and insurance paid was 609.

Originally Posted by mistressB

i don't think that it's fair that people who don't have children who go to school should have to pay taxes for school. like me, part of my taxes goes to schools. i homeschool and we don't get any kind of tax breaks for our supplies that we have to buy either.

I pay Social Security tax, yet I have never collected a dime of Social Security. I pay for Medicare too, but have never used it or been entitled to it. I pay taxes for roads I will never drive on. It's called democracy.

you pay social security and medicare for when you are elderly. you will have access to those things when you get older. you have never been in a car that is driving on a road? you really can't compare those things to something like paying taxes for schools.

Originally Posted by mistressB

you pay social security and medicare for when you are elderly. you will have access to those things when you get older. you have never been in a car that is driving on a road? you really can't compare those things to something like paying taxes for schools.

Sure I can. And who is to say that SS and Medicare will be solvent when I am old enough or even that I will live that long?

Ours runs $500 per year and we carry full replacement value on the contents, which is slightly more costly. We have made 2 homeowner claims in the past 5 years due to lightning zapping PC's, DVR boxes and other electronics and our rates have not raised due to those claims. I do know that our suburb does have one of the higher tax rates in Ohio and the schools get a big chunk of that.

Did inquire to our Allstate agent why rates have gone so high,he said alot of it is due to the rising cost of building supplies and labor cost.

Think someone mentioned they want to buy a fixer upper with cash, but not insure it....personally I don't think thats a good idea just for the reason rather you pay cash or carry a morgage you still have an investment of time and money, not to mention your personal contents.....without insurance that all could be gone in an instance if the worse happens.

As far as not being fair about paying school taxes and etc,came to the conclusion long ago that if I pick and chose where our money goes there would be things our taxes go to that I have no use for example, programs funded with tax dollars such as Alcohol and Drug reabilitation. Granted many people out there that the money helps, but personally its a service I do no need. The money has to come from somewhere, so as tax payers we all share the tax burden rather we use or require the program being funded from our taxes.

I pay $686 for a 2900 sq ft house on 1/2 an acre