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Homeowner's Insurance

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Post Options Post Options   Thanks (0) Thanks(0)     Back to Top Direct Link To This Post Posted: December/08/2017 at 13:31
LRSMike View Drop Down
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Slightly Stoopid

Joined: January/28/2010
Location: Washington
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Points: 708

So gentleman, I am currently in the process of purchasing my first home, and I've managed to get such an amazing deal I can't pass up the automatic equity that's in the house itself. This isn't a forever home here, but one that financially frees my family up for quite some time and allows for us to be able to purchase our home in Texas with some incredible equity as well. I don't at this time have a decided company that I'm willing to go through, but I am asking questions for those who have had or have it currently, who do you go through? My traditional insurance is through GEICO via Navy Federal, and I'm not opposed to doing a multi-policy with them, however I wanted to do my homework first and see if there was any recommendations that would benefit my family and I.

Thank you in advance!


Plane

Post Options Post Options   Thanks (0) Thanks(0)     Back to Top Direct Link To This Post Posted: December/08/2017 at 14:47
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Chief Sackscratch

Joined: December/17/2009
Location: NorthCackalacky
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USAA maybe
Post Options Post Options   Thanks (0) Thanks(0)     Back to Top Direct Link To This Post Posted: December/08/2017 at 16:18
LRSMike View Drop Down
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Slightly Stoopid

Joined: January/28/2010
Location: Washington
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Graham, I used to have USAA for auto insurance/renters insurance a few years ago until I started having major issues with them and rate hikes. I ended up saving almost $500 for a 6 month premium through Geico. I have no idea why, nothing changed for either policy. USAA isn't what it used to be. Btw, hows everything going out there on the east coast?
Post Options Post Options   Thanks (0) Thanks(0)     Back to Top Direct Link To This Post Posted: December/08/2017 at 17:16
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Georgia peach

Joined: February/27/2007
Location: Georgia
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Points: 13243
I do everything thru BBT insurance. This is my company stuff to old truck to house and all in between. They have (knock on wood) don't us really good.
Post Options Post Options   Thanks (0) Thanks(0)     Back to Top Direct Link To This Post Posted: December/08/2017 at 19:02
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Joined: January/08/2007
Location: Oklahoma
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Points: 7473
Find a good independent Insurance agent. They can help in many ways. Be sure to look into the company's response reviews. Lower cost of premium may not get the best insurance company when it comes to getting things replaced. Also an independent agent can watch for better deals when it comes to annual renewals. Companies that got hit hard by last years Hurricanes may have drastic price increases to recoup losses incurred in another region.
Post Options Post Options   Thanks (0) Thanks(0)     Back to Top Direct Link To This Post Posted: December/08/2017 at 19:14
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Joined: July/15/2007
Location: SD
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I would talk with a few different independent agents and let them do the work for you. And once they give some choices then check their recommendations. Seems that one company is good in one area of the country, but not another. You could also check with the state insurance commission to see who they have the least and most trouble with.
Post Options Post Options   Thanks (0) Thanks(0)     Back to Top Direct Link To This Post Posted: December/11/2017 at 08:19
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Chief Sackscratch

Joined: December/17/2009
Location: NorthCackalacky
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East coast is here....we have this swell insurance that we have to maintain called Wind and hail insurance..... it covers when there is a hurricane.  Your normal policy excludes damages due to a named storm.
Post Options Post Options   Thanks (0) Thanks(0)     Back to Top Direct Link To This Post Posted: December/11/2017 at 10:34
mike650 View Drop Down
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Joined: May/14/2006
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Check into an umbrella policy while you're at it to cover cars and home.
Post Options Post Options   Thanks (0) Thanks(0)     Back to Top Direct Link To This Post Posted: January/16/2018 at 06:26
budperm View Drop Down
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show me your sheep!!

Joined: January/01/2009
Location: Pennsylvania
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What I've found out is it's really smart if not necessary to revisit your Insurance every 3-5 years.  You can almost always beat your current pricing after a couple of years with the same provider due to annual price increases that exceed new policy pricing....

I left Allstate after 25 years cause my daughter's accidents caused price increases that never went away like they were supposed too.  I saved over $600 on an umbrella policy for cars and home.  3 years later I went back to Allstate because of scheduled price increases at renewal with Provident.  Since I went back to Allstate their annual increases have been less than 3%....
Post Options Post Options   Thanks (0) Thanks(0)     Back to Top Direct Link To This Post Posted: January/16/2018 at 06:29
budperm View Drop Down
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show me your sheep!!

Joined: January/01/2009
Location: Pennsylvania
Status: Offline
Points: 28152
part of the problem with comparing Insurance policies is that everybody does a policy slightly different which makes them extremely hard to compare unless your well versed in Insuranace speak...
It's really hard to get Apples to apples comparisons...
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