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Message: <blockquote data-quote="TANSTAAFL" data-source="post: 3975789" data-attributes="member: 27098">Costs of home repairs have gone up substantially. Also number of claims is through the roof. There were over 40,000 water damage claims in Oklahoma in December/January on homeowner's policies due primarily to frozen pipes.  Got an engineered wood floor installed prior to 2020? That will cost you, most came from china and cannot be repaired, you will need to get a new floor from Vietnam, or if lucky the US.Auto Insurance is very bad too. Most cars cost a fortune to repair damage. Get a hit to your passenger rear quarter panel on a 2016-2019 Escape and what was $1000 repair will cost $3000 because it could damage 1 of two computers (first is under the hood.) Many cars are overly complex and prone to more damage because of computers and tight places.The best one can do is shop or raise deductibles. Also look into contested claims, cheap insurance is cheap because they really can knock down what claims will be paid and to what extent. You may be locked into their "repair system" and have to go with contractors they provide, and guaranteed they will not be the best and brightest (think home warrantee.)</blockquote>