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See, that sort of thing pisses me off when it comes to insurance. Your rates are supposed to be "risk" and "value" based are they not? With Auto insurance, I understand that if you get in an accident or get a speeding ticket...that means you are a higher risk and your rates will go up. But how...

We have homeowners through Allstate Insurance (so we are in good hands!). We've had it since we bought our home in July of 2002. Last week, the hot water supply line to our 3rd floor bathroom sprung a leak. I didn't know it for about 5 days....until the floorboards in the 2nd floor hallway...