I may have a housemate starting around Aug 9 or 10. I have my doubts that my little backyard horse keeping situation will suit her for very long unless she is wanting a long breather from actively training horses but one never knows. It will be perfect for me if she stays a while as I would be very comfortable doing some camping riding trips with an experienced horse person here while I was gone and I do want to do some horse camping to ride with sis and do fun rides at endurance events this fall. Maybe she would even evaluate potential horse for me if I decide to take the plunge and buy one.
Part of me is hoping work funding gets cut and my job goes away within the year to give me a big shove to sell and move to WY or NV. (two low cost home insurance states, that have scenic horse riding places.)
But I will make myself do the adult thing and get some quotes from other insurance agencies and see if I can't do better on combined home and auto insurance than the current company. Its insane to have to pay over 10K a year, I haven't had an auto claim in ages, I don't know if mom put in a hail damage claim to cover part of shingling the roof or replacing windows and that is probably 20 years ago if she did. Property prices are high in this area, but most of that is getting the 10 acre property, and easy Weld permitting to put in improvements, the house itself is not worth a huge amount, and I wouldn't pay $$$ over what it is worth to rebuild a similar size house if it was hit by a tornado or burned down, I'd either get a much smaller house, or I'd sell the property and let the new owner deal with scrape and rebuild, but I think stupid Colorado put in a regulation to make insurance companies pay to replace, rather than having a fixed max $ amount of coverage with the onus on the property owner to pay attention and increase coverage as building costs rise.
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