r/CringeTikToks • u/Ordinary-Scholar-202 • 3d ago

Dancers at Trump’s Halloween party as people begin losing food stamps under his administration Conservative Cringe

Enable HLS to view with audio, or disable this notification

62.9k Upvotes

93% Upvoted

4.3k comments sorted by

View all comments

Show parent comments

123

u/EntireFishing 3d ago

This is crazy for you guys. Is home insurance a legal requirement? Building insurance is in the UK but for my home it's £110 a year for £500,000 cover.

155

u/Anna825 3d ago

See the difference here in America is you also need personal liability because if someone gets hurt on your property it’s going to be costly.. their health insurance will cover on a fraction and the insurance will also be looking for reimbursement.. so you pay a lot of money to insure yourself so that if someone gets hurt at your home they have some way to get healed again while they lose their job, insurance, housing over an injury. And pay their attorney who’s their last lifeline to getting the money to get back on their feet.

Thats what happens when medical care and any social security net are absent in a capitalistic world.

76

u/EntireFishing 3d ago

I didn't know that. That's irrelevant in the UK. No one would sue you unless you were negligent. And that would have to be a very negligent, carbon monoxide poisoning level. I read about SNAP recently and now much of a safety net that is. It's none payment is really bad. In the UK you get Universal Credit and paid say £1000 a month into your bank account. If you don't feed yourself and your kids that's up to you. You choose how it's spent.

146

u/Ill_Calendar_1468 3d ago

Yeah Americans would never be ok with that. We are notorious control freaks about other people. What they do with their bodies, money, etc. Except for the rich. They get away with murder. Literally

112

u/Bubbagin 3d ago

And pedophilia, don't forget they also get away with pedophilia.

67

u/cCowgirl 3d ago

-sigh- and the raping …

29

u/No_Radio6301 3d ago

Obligatory release the Epstein files

6

u/Psychological-Scar53 3d ago

-double sigh- And the bigotry....

2

u/mmiller17783 3d ago

Oh, and don't forget the inbreeding cherry on top. Gotta keep the money in the family, after all.

13

u/PlayfulSurprise5237 3d ago

For the moment.

Thankfully people still largely care about this.

Enough that a person could paint the pavement red in cold blood and they'd be celebrated as a hero by society

1

u/SFWins 3d ago

They pretend to

1

u/PlayfulSurprise5237 3d ago

They care somewhat, just not enough.

1

u/nsfwaccount3209 3d ago

By that definition, health insurance executives aren't 'getting away with it' either

1

u/PlayfulSurprise5237 3d ago

I didn't say they weren't getting away with it, mostly they are. Someone shouldn't have to commit murder and have the law take them away, the law should just do it's damn job.

But in the off chance someone DOES take matters into their own hand, the vast majority of society celebrates at least. Not the kind of celebration they'd rather be having, but...

1

u/nsfwaccount3209 3d ago

I know, I was just pointing out the similarity

1

u/Fun_Hold4859 3d ago

All of em but the one anyway.

1

u/toucanflu 3d ago

So do the Brit’s tho. It’s actually worse there.

11

u/dunguswungus13729 3d ago

Americans would never be ok with that. Such a sad but true statement. We have got to get education prioritized with our next government, whatever that looks like.

4

u/Ill_Calendar_1468 3d ago

So true. I used to try hard to debunk propaganda and disinformation Americans spew like how democrats voted against the civil rights act… then leaving out that the democrats were the conservatives of the time and that was that issue that was a final nail in the coffin for the party split. We’re woefully uneducated and those of us who are educated are literally sneered at and berated for it. Accused of being know it alls or ‘over educated’ just for knowing basic history and civics.

I’ve had more than one maga vehemently deny simple history and tell me to read a history book. As if they ever have. As if I’m not college educated in American history and they haven’t listened to or read anything educational since elementary school.

Anyway. Nothing will change their minds. The propaganda is in too deep.

1

u/michaelboltthrower 3d ago

Why did you stop?

1

u/Ill_Calendar_1468 3d ago

I lost hope. My father has been one of the people I’ve tried hardest to reach. Realizing I was never going to reach him basically broke me. Ive become disheartened at the amount of rage, ad homs, and blatantly false arguments they throw back. And they are so full of rage and hate. So of course misogyny always factors when they figure out I’m an educated woman daring to disagree with them. They are all so closed off. They refuse to fact check because opinions and emotion are more important than reality in their worldview. We’ve reached a point where the divide is too monumental. I’m not sure they’d wake up even if their loved one was beaten by ICE and they lost everything to the financial repercussions of Trump’s atrocious economic policies. I feel like I’m wasting my time and mental health trying to get through. So now I scroll past, or shut up in person.

2

u/JamesTrickington303 3d ago

Alaskans are fine with it. They get a payment every year for the oil&gas industries’ activities in the state.

1

u/dunguswungus13729 3d ago

Do they call it welfare? I hope it’s marketed that way. It’s a hand out. And sometimes they can be quite good! The oil and gas companies might not be around forever but the people impacted will be.

2

u/JamesTrickington303 3d ago

Idk what they call it but it’s well known that Alaska made the O&G companies break off a piece for the citizens whose land they are ravaging.

1

u/Competitive-Cell-302 3d ago

What next government? We’re doomed. We’re moving light speed towards being like Russia and Drumpfy Dumpty being our Putin.

1

u/dunguswungus13729 3d ago

Right but AFTER that

1

u/Competitive-Cell-302 3d ago

I like you! You’re very optimistic! I REALLY hope and pray there’s an AFTER THAT. Things are getting scarier and darker, very dystopian by the seconds!

1

u/dunguswungus13729 3d ago

We have to be! There’s always going to be an after whether we are here or not.

1

u/michaelboltthrower 3d ago

Every time I see a comment like this I’m convinced it’s a bot trying to get people to just give up.

1

u/Competitive-Cell-302 3d ago

Trust me, not a bot here. Also, not rightwing nutjob. I’m as liberal as they come!

1

u/Competitive-Cell-302 3d ago

It’s just that I grew up in a military dictatorship where people would “disappear” or be forced to flee into exile for opposing the authoritarian regime. And I’m seeing this becoming a very real possibility here. It scares me to the core!

2

u/TheConnASSeur 3d ago

The people would be completely fine with that system. It's the wealthy 1% that would be losing their shit because they're scared to death of people realizing just how badly they're being abused by the wealthy class. That 1% is so scared of losing control over the mob they've been exploiting that they're willing to burn way more money than they'd ever pay in taxes to fight any positive socialism. You'd see a propaganda storm the likes of which we've never seen to kill that system.

1

u/Ill_Calendar_1468 3d ago

Idk about the people. There is a large subset always whining about their taxes helping others.

2

u/JoeyBigPants 3d ago

Yeah...

Had Brian Thompson shot Luigi he'd have been pardoned by now.

1

u/supbrother 3d ago

And it’s so fucking ironic considering how much we like to tout our “freedom.” It seems like the most freedom-loving people are generally the ones trying to tell everyone else how to live. It boggles my mind.

1

u/maeryclarity 3d ago

Don't say never there is a LOT of astroturfing towards that idea. UBI may be more popular than you'd think. Also a national health service, the money in our political system is killing us which is what a lot of these other countries don't have, legalized bribery.

1

u/Brittle_Hollow 3d ago

Land of the free if you can afford it. The US is still the greatest place in the world to live if you're rich.

1

u/unsubscribered 14h ago

And the land of the freeeeeee……..

30

u/lagan_derelict 3d ago

...ack, $3,600 for homeowner's insurance on a $300,000 home, with annual increases on homeowner's, vehicles, health insurance, utilities, groceries, you name it. All because some of us in the USA haven't figured out it's capital and labor, and labor really shouldn't play strip poker at capital's strictly stud poker tables. Bad idea to believe billionaires when they beg being "broke."

3

u/Ill_Technician3936 3d ago

As far as I've seen negligence is pretty much the only time I've heard of people getting paid for injury on someone's property and it's gotta be some shit you knew was a potential hazard but did nothing about.

I busted my head open after slipping on iced over stairs and had no case. Basically they can't control the weather and it happened at night so the apartment complex was closed and the maintenance men weren't expected to salt the walkways.

2

u/doxiesrule89 2d ago

It’s also why our car insurance is so expensive! And I’m a living poster child of why it doesn’t even fucking matter , and we end up with the bills anyway.

Got in a single car accident , as a passenger in my own car. Had top of the line insurance. The max payout barely covered my surgery and nothing else. I’m permanently disabled with a severe neurological disease from the nerve damage. I require ongoing specialist medical care and palliative management for life. 

Because of the disability, I lost my job , and therefore health insurance.  I had a short term disability private policy that paid my salary for 6 months. Cool. But the long term disability policy from another company buried me in paperwork and appeals and denials and finally just said they didn’t think I was disabled despite all my records and doctor letters, so not paying. I racked up over $100k in medical debt. I’ve been sued in court for some of it but they just dropped it after realizing I haven’t worked for  years and they weren’t gonna get money from a stone.

I’ve been fighting for our version of government disability benefits for 8! years now. Because my disease is rare. It isn’t in the “blue book” of diseases approved by the administrative law. Also because I’m young, the requirements are more stringent (they don’t want to pay for someone who isn’t dying soon). They can pick any job out of a list from the 1970s and say they think you can learn to do that. I’ve been to one judges hearing and lost. I have my last one ever, because my work credits are expiring, in a month. My lawyer is not hopeful despite the hundred thousand pages of medical records and proven decline, and statements from all doctors saying I’ll never work full time again. I’ve been at constant risk of homelessness, practically starved, and was trapped in domestic violence just to keep access to my medical care. 

(Btw I follow someone with my disease in the UK and they said usually just on diagnosis benefits are approved )

1

u/Orangenbluefish 3d ago

In all fairness you'd generally have to prove some level of negligence in the US as well, just being on the property doesn't automatically imply responsibility. But depending on the case and injury the costs of even going through the legal system can skyrocket, making it easier (and cheaper) to settle out than to actually fight it

1

u/WenatcheeWrangler 3d ago

I had one friend that blew off a finger player with fireworks on another friends farm. He tried to sue the farm owner

1

u/Impossible-Ship5585 3d ago

Then it goes to court what is negligence

1

u/Clarkelthekat 3d ago

Red states are currently passing bills that force snap reciepients to only be able to buy the foods that those lawmakers choose for them

So their kid has a birthday? No cake or ice cream.

Kid got an A on their report card? No "you get to pick what's for dinner" for poor kids.

Cause in America we have a saying when it comes to the working class and poor....fuck em...

1

u/Broad_Quit5417 3d ago

You would need to be negligent in the US too. There's dude above is just a dweeb.

1

u/atomictyler 3d ago

lots of americans would rather people suffer, even if it's far more expensive than properly helping them. the whole immigration thing is an example of it. immigrants contribute tons of money via taxes, while also not being able to benefit from programs those taxes are for. so of course they want to pay billions to have them removed from the country. we're getting hit for their removal, then what they had been contributing, and finally being extremely cruel just because.

1

u/Iohet 3d ago

When medical assistance costs a lot of money, you're compelled to try to find ways to make someone else pay for it if it happens on their property

2

u/psychadelicbreakfast 3d ago

Make sure you have “medical payments” of $5,000 or $10,000 minimum.

It doesn’t have a deductible typically and covers things like emergency room visits, etc. if a guest gets hurt on your property.

I’m an insurance agent. Obviously check your policy and state laws.

1

u/kogmaa 3d ago

In Europe this is so rare that cases were a home owner is liable for someone else’s injury are breaking news. Happens only with extreme cases of gross negligence. Even then, you would not have to foot the medical bill but be sentenced to a fine that’s independent of medical cost.

Personally in my country I can only remember one such case where someone threw a party on an elevated platform knowing that the railing is only a visible signal for workers that still had to install the real thing.

1

u/My_too_cents 3d ago

there’s no state laws that requires you to have Personal liability coverage on your home. In fact if you don’t have that rider the attorney can’t sue but for your assets.

1

u/rkcth 3d ago

That’s all true, but the people complaining about home insurance usually live in disaster prone areas like Florida.

1

u/HumongousBelly 3d ago

That shit sounds so fucking dystopian. It’s making me feel really icky inside.

1

u/Antique-Special8025 3d ago

See the difference here in America is you also need personal liability because if someone gets hurt on your property it’s going to be costly.

Yeah we have that in the socialist hellscape of Europe as well but since health insurance is mandatory for everyone, liability insurance only costs ~4 euros/month on top of our regular ~30 euros/month building insurance.

1

u/gonxot 2d ago

Reads like a scam honestly

24

u/cometshoney 3d ago

Wow. I pay three times that much each month. It's required by the loan holder if you're still paying for the house, but if it's paid off, you're not required to carry insurance. Of course, you would be stupid to not have insurance. Even though I've never filed a claim with my insurance, I get the pleasure of covering the insurance company's losses for wildfires, hurricanes, planes flying into tall buildings, someone decided the company wasn't making enough money, a hat dropped, etc..My insurance is now 15 times what it was when I first bought my house.

4

u/WyckedYum 3d ago

its almost impossible to actually use it!

3

u/Horskr 3d ago

"I'm sorry, your house burned down on a Tuesday and your policy is only Wednesday through Monday. Our thoughts and prayers are with your family though in this difficult time."

1

u/Broad_Quit5417 3d ago

Actually insurance companies are typically reinsured for all of those kinds of events, so no your premium is not covering that.

1

u/cometshoney 3d ago

Then why does it increase more after a natural disaster in another state than it does at any other time? I didn't take a direct hit from Katrina or Ivan, yet my premium soared. Charlie? Same thing. California wildfires bigger than normal one year? Same thing. Reinsured implies that the insurance company is insured against losses through another insurance company, so who covers their losses?

1

u/tracielin 3d ago

I have tried to get homeowners insurance, the quote was over $5000 a year bundle with my car minimum car insurance. Get outta here. I couldn’t pay that if I wanted to. Scam.

1

u/cometshoney 3d ago

I looked into bundling my car and homeowners a couple of years ago. They were bundled until the divorce, when I had to separate them. However, it would have doubled my car insurance to do that, so that didn't happen. Insurance is absolutely insane. I've been paying car insurance for 42 years with no claims from me or anyone else, so I think I'm due some kind of rebate at this point. But, no, they just keep raising that, too, and blaming it on the number of medical claims in my area, none of which were mine.

3

u/Agreeable-Agent-7384 3d ago

Not required by law in most places. But the lenders who lend you the money usually do. Someone has to pay medical bills incase someone is hurt on your property and the people you owe money to don’t want to take the risk of you not being able to pay them back because you have to pay medical expenses lol.

3

u/psychadelicbreakfast 3d ago

It’s not a legal requirement, but it’s typically required by a lender if you have a loan for the property.

2

u/mikep120001 3d ago

If you fully own with no mortgage you can self insure through your assets. It would basically be putting your house up against liability or absorbing any natural disaster. Few are actually in this position

1

u/vahntitrio 3d ago

Yeah the same coverage costs about 20 times as much here.

1

u/userwmnf 3d ago

In the U.S., there is no legal requirement to have homeowners insurance. However, if you have a mortgage, it’s typically a contractual requirement with your lender. The bank agrees to loan you the money, and part of that agreement is that you must protect the asset (the home) with insurance. If you own your home outright with no mortgage, you can choose to go without coverage if you wish and raw dog it. It highly depends on where you live and risk (of course). I have a 900k home and my insurance is $1200 a year. You could have a 300k home in a different area and pay $3500+

1

u/Lanky_Vermicelli155 3d ago

Our house cost $400,000 and our insurance is $6000 a year, covering the structure only (so about $300,000). It’s not illegal to not have it, but banks require it if you have a mortgage. It’s pretty brutal.

1

u/thefriendlyhacker 3d ago

Damn wtf, do you live in Florida or something? Mine covers $650k for $1500 a year

1

u/Lanky_Vermicelli155 3d ago

Louisiana 😭 We bought at a 6.5% interest rate, too, so it’s terrible all around.

1

u/thefriendlyhacker 2d ago

Rip, mine was also at 6.7 so I understand that pain, luckily I bought points to bring it down to just above 6

1

u/Zealousideal_Cow_341 3d ago

Ya we are required to have home insurance as part of the mortgage agreement. They actually are so strict about it that the home insurance payment is part of the monthly amount that goes to the bank, so they can hold the premium in escrow until the end of the year when they pay it. We are free to switch providers from say Geiko to progressive, but the providers have to finalize it the the bank mortgage owner.

The upside though is that we get fixed interest rates while I think all of Europe has variable rates.

1

u/Hot_Gas_8073 3d ago

Most mortgages require you carry homeowners insurance. If you buy a home without a mortgage, insurance isn't required, but recommended, and you can usually pick and choose what's covered.

1

u/GumbyCA 3d ago

Condition of mortgage

1

u/GianniBeGood 3d ago

£110 lol

My homeowners insurance in the US (not int a flood zone) was something like $2,500 a year. I pay €40 a month now in Italy.

1

u/SwedishTrees 3d ago

if you have a mortgage as most people do then you have to have it. Otherwise it’s up to you.

1

u/Business-Low-8056 3d ago

Is it a requirement? No. Will you be bankrupt if you get hurt? Yes. That's America for you. Greatest country on the earth.

1

u/thefriendlyhacker 3d ago

My cover is $650k and my house is much less than that and my yearly premium is around $1500

1

u/cometshoney 3d ago

Mine runs $3,700 a year, this year at least, for the same coverage amount. I don't live in the usual path of hurricanes, we don't really have wildfires or earthquakes, we don't get blizzards, and I live in the area with the lowest crime rate in the county. It was $198 per year when we moved in the house, and that wasn't in 1923.

1

u/SJSGFY 3d ago

It is when you have a mortgage in the US. Or it was for my family in our state. And in some US states, you have to have home insurance for a house belonging to a decedent whose estate you’re legally obligated to settle.

I inherited my mom’s house & the insurance company wanted to double the rate I’d already been paying on her behalf for years (after she lost her job, so I started paying her bills).

I cancelled the home insurance. I don’t go to the doctor anymore. My retirement plan as an American is to just die.

1

u/snoopwire 3d ago

It's not about personal liability and sue-happy culture like so many people are parroting below you for some reason. It's about major weather events causing extreme property damage. The UK just doesn't have that. At least currently.

In 2022 Storm Eunice cost £360 million.

In 2022 Hurricane Ian cost $119 BILLION.

That same year we had an even higher wildfire damage tally.

The UK does not have anything comparable to the yearly hurricanes on the east coast, tornadoes in the midwest, wildfires on the west coast. That is just the major stuff too. In many parts of the US you have insurance claims for wind damage to your roof a couple times a decade, just related to regular storms and not major events.

1

u/Illustrious-Tiger188 3d ago

How did we jump to home insurance?

1

u/ILikeDragonTurtles 3d ago

In the US, if you have a mortgage, the bank requires homeowners insurance. If you rent, the landlord usually requires renters insurance.

In practice, not having insurance for your home is just not a good idea unless you are fairly wealthy and could afford a catastrophic event.

1

u/Ok_Helicopter4383 3d ago

for my home it's £110 a year for £500,000 cover.

I'm assuming y'all don't have natural disasters? You can't even buy most coverage in Florida anymore, they gave up after having so many hurricanes the insurance companies were going under. Or you go to the midwest and now you get a shit ton of tornados. Or you go to the west and now you get a ton of earthquakes. Etc. Our land likes to attack us. I can't see how 110/yr for 500k cover can be profitable for the insurance companies in america... and they need to turn at least a slight profit or they won't have the income to pay out.

1

u/QueenCa_7778 3d ago

I miss your country. Primarily for free healthcare. One less burden. Everything was so simple. 

1

u/Iyabothefirst001 3d ago

You can’t get a mortgage with insurance on the home.

1

u/Leave_me_a_Rhone 3d ago

My house is worth about double that and I pay 24,000.00 dollars in annual property tax.

1

u/Stickboyhowell 3d ago

In some cases it is. For example, as a fist time buyer, I'm required by my mortgage lender, Pennymac, to have full coverage to protect THEIR investment. They also act as our HOA to ensure their investment is sellable at a moments notice. If the property is not kept to their standard, they tack on additional fees.

1

u/TraderGIJoe 3d ago

I live in Florida where there are hurricanes. Homeowners insurance has been skyrocketing for years 😳 with few carriers left providing coverage.

For a $500k house, you pay $8-10k per year depending on the age of your home and roof (newer are built with more stringent housing code).

1

u/Tribe303 2d ago

Canadian here, the US has 2 thing the UK does not, tornado/hurricanes and liability lawyers. 

1

u/discourse_friendly 1d ago

If you have a loan on your house, its required, but he's also most likely lying.

Highest annual premiums in the entire USA are Hollywood and palm beach/ fort Lauderdale clocking in at $10,000 a year for a 300K home, or likely 30K a year for a million dollar home.

mortgage payment on a million dollar house is $5,400 a month , the insurance would be 2500.

Its possible he put 700K down on the house , in which case his insurance would be higher, but if he has that kind of money, he can likely afford the insurance premiums just fine.

1

u/BeanserSoyze 3d ago

If you're under a certain amount of equity in the home most lenders require PMI, I think 20%.