5GallonBucket Posted April 23 Report Posted April 23 This is the hidden content, please Sign In or Sign Up  @Mr. Buddy Garrity where is beaumont at Quote
Mr. Buddy Garrity Posted April 23 Report Posted April 23 6 minutes ago, 5GallonBucket said: This is the hidden content, please Sign In or Sign Up  @Mr. Buddy Garrity where is beaumont at 🤷🏾‍♂️ I laughed at that article earlier. bullets13 and thetragichippy 2 Quote
thetragichippy Posted April 23 Report Posted April 23 "based on what it describes as lower taxes, quality health care, and an affordable cost of living." Taxes are not inexpensive....home prices are lower, which I guess makes out of pocket taxes lower, because no one wants to live in PA. I'm in PA, 1700 sq ft home, with a 3.5 car garage and under roof carport between house and garage, very large lot. This home in Lumberton would be $300ish, I may get 150K when I sell. There are several insurance companies that won't even insure homes in PA, but when you do find one, (Goosehead is great), they won't cover windstorm, your agent gets that from the state. I pay right under 4K a year to insure my home, including flood. The house has never flooded, but this is my childhood home and it has always had flood. You never know in PA when the pumps might not work......In Lumberton ) paid less that half of that for home insurance. FYI, Hardin county auto insurance is less than Jefferson county..... You add in the crime rate of PA...........not ideal for someone wanting to retire.......IMO oh, and if our healthcare is so good, when someone has a serious illness, why does everyone recommend going to Houston🤷‍♂️  Quote
Mr. Buddy Garrity Posted April 23 Report Posted April 23 34 minutes ago, thetragichippy said: "based on what it describes as lower taxes, quality health care, and an affordable cost of living." Taxes are not inexpensive....home prices are lower, which I guess makes out of pocket taxes lower, because no one wants to live in PA. I'm in PA, 1700 sq ft home, with a 3.5 car garage and under roof carport between house and garage, very large lot. This home in Lumberton would be $300ish, I may get 150K when I sell. There are several insurance companies that won't even insure homes in PA, but when you do find one, (Goosehead is great), they won't cover windstorm, your agent gets that from the state. I pay right under 4K a year to insure my home, including flood. The house has never flooded, but this is my childhood home and it has always had flood. You never know in PA when the pumps might not work......In Lumberton ) paid less that half of that for home insurance. FYI, Hardin county auto insurance is less than Jefferson county..... You add in the crime rate of PA...........not ideal for someone wanting to retire.......IMO oh, and if our healthcare is so good, when someone has a serious illness, why does everyone recommend going to Houston🤷‍♂️  I wouldn't recommend this entire region as a retirement destination 🤷🏾‍♂️ My retirement destinations are very much North and West of this region (past I-35) almost out of this state. SmashMouth, bullets13 and thetragichippy 2 1 Quote
thetragichippy Posted April 23 Report Posted April 23 58 minutes ago, Mr. Buddy Garrity said: I wouldn't recommend this entire region as a retirement destination 🤷🏾‍♂️ I actually love the location of PA.....I was born and raised here. I love the water and proximity to Houston/Galveston/New Orleans and Austin..... There are just too many things I don't like  Mr. Buddy Garrity and bullets13 2 Quote
Separation Scientist Posted April 24 Report Posted April 24 I am involved with a ministry in PA. Been there many, many times. The value available to a home buyer is astounding. PA of course has tons of issues but it is underrated, IMO. Quote
thetragichippy Posted April 25 Report Posted April 25 16 hours ago, Separation Scientist said: The value available to a home buyer is astounding. Yes, there are some really cool houses that are undervalued compared to the surrounding area. Most of your main insurance companies won't write home policies in PA, and the ones that do are twice what you would pay in Hardin County.  Quote
Separation Scientist Posted April 25 Report Posted April 25 I agree with that. Coastal counties are insurance challenged, and that includes Chambers. Co. too. I am "high and dry" with good elevation but some insurance companies wont underwrite Chambers Co. at all. We have been able to work around it with other companies, though. I believe highly rated Kin Insurance covers any home in TX. This is the hidden content, please Sign In or Sign Up   thetragichippy 1 Quote
SmashMouth Posted April 25 Report Posted April 25 I love the proximity to saltwater fishing access in Port Arthur. Past that, I can't imagine thinking, "You know, when I retire, I'm heading to Port Arthur...". Lol. Ain't happenin'. bullets13, thetragichippy and Mr. Buddy Garrity 1 1 1 Quote
thetragichippy Posted 6 hours ago Report Posted 6 hours ago On 4/25/2025 at 10:58 AM, Separation Scientist said: I agree with that. Coastal counties are insurance challenged, and that includes Chambers. Co. too. I am "high and dry" with good elevation but some insurance companies wont underwrite Chambers Co. at all. We have been able to work around it with other companies, though. I believe highly rated Kin Insurance covers any home in TX. This is the hidden content, please Sign In or Sign Up   I went and got a quote from KIN, $4322 standard deduction - 5K Hurricane/wind - $15,550 Personal Property $77,780 Replacement cost $311K OR...... $5971 Standard Deduction $5K Hurricane $6220 Wind/Hail $15,500 First, I don't understand on the more expensive policy how they can separate Hurricane at $6220 and Wind/hail at $15,500....Most hurricane damage IS wind.....so, that is a law suite waiting to happen....... This, plus flood and property tax is why Port Arthur is expensive to live,. Mr. Buddy Garrity 1 Quote
Mr. Buddy Garrity Posted 6 hours ago Report Posted 6 hours ago 3 minutes ago, thetragichippy said: I went and got a quote from KIN, $4322 standard deduction - 5K Hurricane/wind - $15,550 Personal Property $77,780 Replacement cost $311K OR...... $5971 Standard Deduction $5K Hurricane $6220 Wind/Hail $15,500 First, I don't understand on the more expensive policy how they can separate Hurricane at $6220 and Wind/hail at $15,500....Most hurricane damage IS wind.....so, that is a law suite waiting to happen....... This, plus flood and property tax is why Port Arthur is expensive to live,. See part of the reason I wanna move back out West lol thetragichippy 1 Quote
Mr. Buddy Garrity Posted 6 hours ago Report Posted 6 hours ago Retirement destination lol shiiddd SmashMouth and thetragichippy 2 Quote
bullets13 Posted 4 hours ago Report Posted 4 hours ago On 4/25/2025 at 11:00 AM, SmashMouth said: I love the proximity to saltwater fishing access in Port Arthur. Past that, I can't imagine thinking, "You know, when I retire, I'm heading to Port Arthur...". Lol. Ain't happenin'. I spend lots of time on sabine, but I'm perfectly content to drive through PA without stopping on my way. I did probably 50+ ridealongs with @tvc184 back in the day and didn't see a single neighborhood that I thought i'd want to live in. thetragichippy 1 Quote
SmashMouth Posted 1 hour ago Report Posted 1 hour ago 2 hours ago, bullets13 said: I spend lots of time on sabine, but I'm perfectly content to drive through PA without stopping on my way. I did probably 50+ ridealongs with @tvc184 back in the day and didn't see a single neighborhood that I thought i'd want to live in. Yep. I lived in some of those neighborhoods close enough to walk to Edison Middle School. They were pretty bad then. Now it's even worse... thetragichippy 1 Quote
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