insurance on condo and update

Oh Jesus this is so painful...communicating with Steve.... it brings back horrible feelings of rejection, abandonment and despair.

Steve Betts	2:49 PM (57 minutes ago)
to me

Hi Lo.... 

I received a phone call today from the Farmers Insurance office in Racine.  They said that you wanted to cancel their policy to go with your own insurance company.  If your company can give you a cheaper rate - go for it!!  I only went with Farmers because our agent here in Michigan was helping me get it all figured out at the time.

Since the condo is owned  by the trust, I believe the insurance also needs to be in the name of the trust.  Also, the Association requires that certain things be included on the policy (I was not sure if you knew that). 

I will do whatever you need me to do to make the change.  If you would like me to call your insurance agent I can do that - just let me know.  Is your company a nationwide company??  If it is, maybe I could find an agent here in Michigan so that I can get the paperwork signed to get this changed.  If you want to do the paperwork and send it to me to sign, that is fine too.

Please let me know what you decide to do.   

Thanks -

ElLois Betts <ellois.b@gmail.com>	3:44 PM (3 minutes ago)
to Steve

Since Heidi has sent me both insurance "bills / statements,"  I figured it was your way of saying mum's Trust wasn't gonna pay for homeowners insurance anymore.  

So I called Farmer's and asked her what kind of coverage it was.... since I carry renter's insurance.  

She wasn't very willing to chat with me, but I finally got information on liability and deductable....  I do not have a deductable on renters and my liability is "only" $100.000 not the $500,000 of homeowners.

I know the Trust is to pay homeowners and I pay renters....but what am I gonna think if Heidi sent me 2 bills /statements"  ???  It just said to me, "crap on you Lo, you pay this."

What else was I supposed to think? 

Steve Betts	2:33 PM   8/29/13
to me

Lo...

After a lot of thought, I believe I came up with a reasonable but temporary solution to this issue.

Here is my thought pattern:

1. The condominium needs homeowners insurance per Washington Properties rules
2. Due to the fact the condo is in the Trust's name and you are technically "renting, without actually having to pay" the condo, you need to have renter's insurance for the inside contents of the condo.  This is also required by Farmer's insurance to have the owners insurance.
3. The Trust was established to protect mom's car, condo, and finances from having to go to probate court.  It was not designed to pay for the homeowner's insurance, property taxes or up-keep on the condo or mom's car.  Mom left us her money to cover those costs.
4. My relationship with you has been strand to say the least.  It is currently in a better position but it is still tender.
5. The current homeowner's policy is due to renew on September 4.  This gives us very little time to investigate other option--the whole process would be rushed and decisions would be made hastily.
6. In order to buy us some time to smooth out our relationship and better understand how to move forward in the future regarding the homeowner's insurance, I have paid to renew the current policy through Farmer's for another year out of the little money left in the Trust fund.
7. All you will need to do is continue your renter's insurance.

I hope that was clear.  Regarding your other email, I will answer you shortly.  Please be assured, I do care about you.