It is a way to hide the hidden cost of your home and make them seem cheaper. Insurance has gone up significantly in the last 10 years and you have no choice but to pay it. They will also cancel you when an area has too many claims. If you can get USAA, it will cost you a little more but they are rock solid. I was cancelled and then told I was uninsurable because my roof was over 10 yrs old. While I was trying to find a new vendor, I was going to put a new roof on and turns out that the roof had significant wind damage according to the adjuster so the company that cancelled me, bought me a new roof before we parted company. They were cancelling me because they wanted out of the area and karma stepped in. If they had renewed my insurance, I would never have known I had damage.
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