If homeowner’s insurance worked like Obamacare, in no time at all homelessness would be a viable option for residents trying to lower their insurance cost.
Under Obamahome, construction contractors would talk endlessly about how compassionate their employees are. Edgy companies would assert that dealing with an English–speaking crew makes rebuilding your home a breeze. But no company would be talking prices or making binding estimates.
Instead homeowners would hire the company that was closest or had the most caring spokesperson. Really shrewd homeowners might check a Yelp review, but that would be the extent of the research. When it came time to sign the contract the homeowner would pay his deductible and the bill for the covered procedure would go direct to the insurance company.