Insurance

We are getting close to the 'rainy season' aka 'hurricane season' in Florida.

Those of us who live in Florida know how difficult it is to homeowner's insurance. It would most likely be easier to get a free trip to the White House for a week. Keeping this in mind and all the hoops we have to jump through to get the needed insurance, which the banks require if you have a loan, I was stymied when reading about Lloyds of London in one of my favorite tomes, yep, Uncle John's Bathroom Reader.

Me thinks Lloyds of London would do better by insuring Florida homeowners.

In the past they have insured just about anything from Bruce Springsteen's voice and Marlene Dietrich's legs to laughter. Yes indeed, one theater group took out a policy in case someone in the audience died laughing. There was also a policy on a floating bathtub when a merchant navy officer sailed from Dover, England to Cap Gris Nez, France in said tub. the only condition that had to be met was that the tub's drain plug "remain in position at all times."

However, they not only insured such odd ball stuff they underwrote some pretty bad ones as well. The big risk ones included: an asbestos manufacturer, the Exxon Valdez, and the San Francisco earthquake of 1989, which ended up in litigation.

Taking into account the last three, insuring homes in Florida should be a walk in the park.