I feel your pain. I’m in the OB/Pt. Loma area. My house insurance has been going up a lot in the last few years. I’m curious, if your house were paid off (as mine is), what would you do? It seems extremely risky to drop insurance completely. Perhaps there is a very high deductible plan or some such thing?
For the car insurance, I’ve been too lazy to look into it, but my understanding is that it’s not technically required to have insurance, but you have to be able to prove you have readily available reserves to use in the event of an accident.
My house (and car) insurance is through State Farm btw. I’ve tried to shop around and get quotes from other companies, but couldn’t find any that would insure my house. The last company that approached me several years ago was AAA. After their house inspector claimed “of course we’ll insure this house – it’s fantastic!”, I got a form letter saying they declined to cover it due to it being (1) old, and (2) multi-level. I’ve found cheaper car insurance but not really once you take into account the State Farm Discount for having multiple policies.
