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Started By
Message
re: Help With Home Owners Insurance
Posted on 2/6/24 at 8:49 pm to Dixie2023
Posted on 2/6/24 at 8:49 pm to Dixie2023
Existing insurance company increased ~40%. Shopped around and received comparable coverages with much cheaper quotes from Gulf States, SURE, & State Farm. SURE had the best coverage/deductible combo, but certainly not the cheapest of the 3.
Likely going with SURE although the State Farm guy pleaded to go with a more reputable company like USAA, Allstate, etc…that would be able to pay out for a major storm. SURE assets, from a quick search, seem sufficient compared to others. Thoughts?
Likely going with SURE although the State Farm guy pleaded to go with a more reputable company like USAA, Allstate, etc…that would be able to pay out for a major storm. SURE assets, from a quick search, seem sufficient compared to others. Thoughts?
This post was edited on 2/6/24 at 8:56 pm
1
Posted on 2/7/24 at 7:51 am to TigerGman
quote:
Everyone's rates are going up 50%.
Just to add to the data, mine went up 52% in my renewal this month. fricking pisses me off that we continue to get screwed in every single way. Insurance, property taxes, inflation, etc. are eating through spending power and incremental wage increases are eaten up (and then some) immediately. (Rant over)
For the record, I am with Insurance Network of Louisiana and policy is with Foremost. I asked to shop it, and that’s the best for my situation.
Posted on 2/7/24 at 12:28 pm to Oneulus
quote:
Farm Bureau is telling me it’s cost of rebuilding my house even though that figure has not changed in three years, shows that figure on their own paperwork.
This sounds like you are confusing the amount of coverage you have with the cost to repair/replace your dwelling.
Best way to lower your premium is to increase your deductilbe and decline the replacement cost value endorsement for your personal property.
Posted on 2/7/24 at 5:41 pm to magiLSU
I had gotten a decent quote from Gulf States via agent as current insurer, Lloyd’s, didn’t renew. After I had accepted, an offer came in from SURE. Next year I might go with them. Never heard of SURE. I’m glad Lloyd’s dumped me, I’m saving money and a better policy.
Posted on 2/8/24 at 10:16 am to Oneulus
My house isn't even in a flood zone and my mortgage jumped $400 a month. I'm not even going to try and shop around until all this settles down and we really see who is charging what
Posted on 2/8/24 at 11:36 am to jmarto1
I called after mine went up 50+ %, asked if they could stop increasing the replacement coverage and they said no. Said I’m grandfathered in with 1000$ flat and hurricane deductible and they don’t make policies like that anymore so basically I shouldn’t complain or mess with it. So I’m just going to stay bent over
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