I'm having buyer's remorse and I haven't even bought the house yet.
I don't see any way I can afford home owners insurance. These shysters want upwards of $200 smackers a month to insure a home that CANNOT burn... against FIRE.
Two hundred smackers to insure a home that could withstand an f5 TORNADO... against HIGH WINDS...
I mean it whole heartedly when I say...WTF is this world coming to, when a fire resistant home costs more to insure BECAUSE it's fire resistant???
"Replacement value, blah, blah, barf"
I've never had insurance. I mean, well...the LIABILITY kind yeah, cause you kinda have to. But nary the big guns kind.
Loss of limb and stuff.
Never have I had renters insurance, because I've never had anything worth replacing...or so I figured, until the last several days worth of ABSOLUTELY WORTHLESS MINUTES SUCKED OUT OF MY FAT ROLL OVER ACCOUNT.
Insurance people, the salespeople, persons. They enjoy making you feel like an idiot for never having had coverage before, then they give you a hefty DISCOUNT as a result.
Every quote was relatively competitive with another company, it wasn't like "Joe's Insurance Shack" really hooked me up or anything. It made me so sad I decided for ten straight minutes not to buy a house.
What's happening here is this:
If I cruised on over to the hood and picked up an urban blight for $49,500...I'd have no trouble affording the INSANELY HIGH INSURANCE PRICES, based on the fact I am a SINGLE FEMALE, and I have no credit.
Credit I will never be able to obtain this late in the game WITHOUT owning a home. Can ya see what's happening here?
The home buying process reminds me of one of The Mer's PSP games, where you make it to one level and think your safe, only to find out there's some hidden chamber somewhere you didn't know existed.
If you kick seventeen monsters asses, achieve all 42 levels without getting destroyed, are able to morph into the right character at the right time...then and only then does some magic wizard hand you the keys to your new home.
A year ago I was all "It's a MIRACLE, yada yada!"...
Today, yeah maybe, but it's also a helluva lot of work.
If it weren't for each of you cheering me on in your own way, I'd have quit a long time ago. So thank you, and please don't leave me now!
On a lighter less neurotic note:
It's that Magic time of year again...
The Mid Summers Eve Faerie Ball is tonight.
I don't really do cheering, but I am quite good at listening, agreeing, and nodding in a sagely manner.
I also hum random music as I walk around the kitchen, but I tend not to let too many people know that.
Posted by: Jonathan | Monday, July 23, 2007 at 02:19 PM