Not sure why you would ask insurance questions here. I would ask an insurance broker.
Far as insurance the risk is accessed by the company. You simply can not argue or appeal to logic-that is the company position. Not all companies have the same position.
All insurance companies do not use the same risk profile.

We tend to think I've been with the company for xx years never had a claim they should support me. The reality, we've used that company for xx years they know you do not shop around. Often they give a better rate to attract new customers than they give to customers who have been with them for a while.

Banned from Nextdoor. My OPINION it only matters if, you care.

Just delete it

Facebook doesn't own NextDoor. They aren't even affiliated with each other. NextDoor is a publicly trade company backed in part by a SPAC owned by Khosla Ventures.

I am from the Fukawi tribe

Just move to “Truth Social” and do whatever you want in your opinion.with like-minded people

Where are you from?

I think the key part here is "like minded people". Truth Social is banning people they disagree with. So much for "FREEDOM OF SPEECH".

That's the problem with all this social media. Everybody screams for diversity except when it comes to diversity of opinion. They just act as platforms to control peoples minds. No one can think for themselves anymore, it's kinda sad.

I have been pulled off of next door several times but it's been my fault because I posted about poker. They do seem to have a really ridiculous artificial intelligence algorithm and one of the things that they have stated is that you must put in the link to your facts about covid. There are many spirited discussions about one side or the other on next door and I have never seen them deleted. For a while they were very zealous about closing discussions early. I talked about my experience with anti-semitism and I was closed after five posts and then someone else opened another one up about their relatives being killed in Germany during world war II at camps and that went on for hundreds of posts. Overall I can say they are a lot less strict than other blogs well you're not even allowed to joke about certain people. Next door has done excellent for me as I post a lot about collecting for the homeless of the forest. Keep in mind that private internet websites even though they are accessed by the public do not have the same constitutional rights that you would think talking in a public square would allow . New Jersey had a famous case to allow speaking and shopping malls by anyone and everyone but it is not the same for privately owned blogs and websites. Especially those that count on advertising revenue

Next Door Policy
 

It’s about time one of these websites stopped the childish behavior of the useless political commentary going around here. It’s such a waste of time, each side it not going to change their mind. The Villages has become home to some of the least politically educated folks in the nation. Both sides turn on the fake news channels that tell them what they want to hear and demonize the other side. The reality is neither side really knows what’s going on in Washington

Well what I posted was 100% fact and well documented and the person in question did a interview on 60 minutes confirming what I posted. It doesn't matter if it's true or not it matters how it may make one side look. It's all nonsense and congress needs to make social media a public square.

Enough is enough
 

Unfortunately, no matter what the topic some people will find a way to insert politics.
I understand freedom of speech, but I wise the entire TV could ban all political posting.
I mean all including golf carts, flags and lawn signs.
It's not these displays are going to change my mind one way or another.
I'm retired and would like to live in a dream world with whatever time I have left.

How are you being stopped from thinking?

So, you want the government to regulate free speech in private companies?