u/Jernbek35

Hi All,

I rent out a SFH in the DFW suburbs, as some of you know, wind/hail is a problem here in the Spring and its likely that you may need to replace your roof due to this eventually.

I am getting ready to send out a renewal notice to my tenants but over the last year both my property taxes (homestead fell off) and LandLord insurance skyrocketed, and left me with a higher mortgage payment due to an escrow shortage. I currently pay $3065 a year for insurance with a $5000 all peril deductible (based on the dwelling protection, this works out to like 1.25%?)

I am trying to get the cost down so that I can cash flow a bit on the rent and I got a quote from Honeycomb for $2991 with a 2.25% deductible and from Steadily for like $181 a month but with a 3% deductible.

Now, I know in the short term it would save money by increasing the deductible but it seems to me that one hailstorm with a 3% deductible and that savings goes right out the window.

So should I just keep my current insurance, call them and ask if there is anything they can do? Or switch to a cheaper but higher deductible plan?

I play Brewmaster and lately, my best runs and healing experiences have been with Resto Shamans and Mistweavers. Druids were good for a while but I keep running into bad ones, and I had a couple Disc healers and things felt rough. I don’t see a lot of HPals these days but the few have been fine.

So what’s your favorite healer to be healed by currently?

Hi All, we have been living in the DFW suburbs since late 2018 and we have been wanting to move out of here for a long time. The property taxes, home insurance, flat, ugly prairie landscape and no good nature access is killing me.

Since about 2021, we have discussed moving to the DMV area (specifically NOVA), but for one reason or another, we kept getting delayed, now we decided we are going to move this year but are having trouble deciding between the two places mentioned above. We have an almost 2 year old daughter.

Northern Virginia (Ashburn, Leesburg, Fairfax, etc.)

Pros: Good public transit into DC, close to many major cities and the Northeast for weekend trips, free museums, lots of historical sites to see, pretty good access to nature and the mountains.
Cons: What you pay for what you get in terms of housing is pretty bad, many are 1m+ and are old and need a lot of remodeling, its also like playing whack a mole finding a good house plus a good school ratings at the same time. Also, no family in the area. Its tough living in the South for so long living in a new build house then looking at houses that were built in the 1950s.

North Georgia (Alpharetta, Roswell, John's Creek etc.)

Pros: Our dollar stretches further for housing and for lower than NOVA we can get a newer and very large house with modern appliances and design. Great access to nature with many mountains and the Appalachians being very close. All the school districts in the area are exceptional, so no playing whack a mole trying to find good schools. We also have family: my brother, SIL and 3 nieces and nephews and soon to be my parents living about 5 hours away in Brunswick GA.
Cons: Not as many big cities nearby, Atlanta was okay when I visited from what I remember, but I am worried we might run out of things to do eventually and be bored. I am also worried that I am settling and my "dream" of living in NOVA is evaporating, which is weighing heavy on me.

Both me and my wife work in tech and have a combined salary of $350k+ with some RSUs available to use towards a house. If anyone can shed some light/advice or if anyone has lived in both I'd appreciate the help!