The further south you go from HWY 160, the longer it takes to get to shopping, jobs, etc.

The beach community may be attractive even if a mile away depending on the micro location, is it walkable, bike paths, coffee shops, restaurants etc.

You may want to shop your competition, and check the market.

This is going to make me shop other alternatives since I have not checked the market in a while.I have not had a claim with them but I am concerned there will be issues when I do.Update: Just got feedback from them on their last error.

Its like the investors expect these sponsors who have a bummer to just close up shop..

Overall, going with an independent insurance agent will mean they will shop for the best price available… whereas if you called a singular insurer… say Progressive or whomever….

Possibly take some cash out at the same time if the LTV and equity are within range.No, It is not normal for "Banks" to make this mistake usually its a "Lender" or smaller "Mom & Pop" broker shop.

BP members make a donation to aheroshome.org and they get me for a half an hour to talk shop.. if its something I am not really up to speed on I let them know they can still donate but I may not be the best person for advice..

I work with a one stop shop brokerage and we'd be happy to help you with anything you could need! 

Obviously still shopping around.