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Rolla, ND | The basic thing is health insurance actually isn't used as insurance.
If homeowner's insurance was the same, you'd pay $25 a month for electricity plus 20 percent up to $200 a year. Your heat would be similar. Once you covered your deductible on phone the rest of your calls to Bangledesh would be covered for the year.
Major things like repairs would be covered, unless you were struck by piece of a Red Maple between the hours of 3 and 5.
Of course there would be bunches of people figuring out what benefits you were entitled to and the policy would cost $25,000 a year for a $150,000 house going up by 10 percent or better a year.
Many of your neighbors would receive it as an employee benefit.
You'd find that the manager of the electric company, the manager of the oil company, and the manager's of the construction companies all have special policies that pay everything but cost $150,000 a year which they don't even have to pay taxes on.
You'd get to hear all the time where the local construction just couldn't compete with other construction companies offering workers 3 times what any working person actually was paid, and so they have to keep bringing in workers from foreign contries.
There'd be all sorts of hearings on the problem and how home insurance was being priced out of reach of the normal person. You'd here how half the repairs on homes were made necessary by the sloppy work crews that worked the last time, and how everything would be okay if lawyers just couldn't sue anymore.
If your roof leaked, you'd have to call your primary care carpenter, he would look at it and say before doing anything major he'd send over a tube of caulking. Cost $500. After the roof still leaked he'd recommend seeing a shingle therapist. The therapist would come three times a week for a total of 12 times at a cost of $1500 per visit. The therapist would go up and see if he could stretch and smooth the shingles, put on some more caulking only it would be prescription strength caulk.
Finally, if that didn't work, you'd be referred to the roofing specialist for a total roof replacement. You don't even want to know what that costs. Strange thing is you will be getting bills for at least a year for things like inspection, disposal, and catering even though you never saw those people and never had any business relationship with them.
Then, since your roof covered all your deductibles, you decide now would be a good time to have that septic system checked....
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Why are insurance costs so high?
