Homeowners Insurance?
Return to Board  •  Menu  •  Bottom  Page 1 of 2  
Message
Homeowners Insurance?
Posted by wegotdatwood on 1/28 at 2:40 pm
I called USAA and felt it was pretty high.

They quote me $123 a month for a 150k home, 1k deductible. My vehicles are also insured through them.

They did it based on cost to rebuild (204k)



Reply  •  Back to Top
Posted by BACONisMEATcandy on 1/28 at 2:44 pm to wegotdatwood
Generally it will drop your auto insurance as well.

I have my vehicle and renters through them... Vehicle is 105 a month before I had renters .... Now I have renters and Vehicle and it costs me 101 a month...



Reply  •  Back to Top
Posted by ItNeverRains on 1/28 at 2:55 pm to wegotdatwood
Pay $600 year for insurance on rebuild value and all valuables inside the home, including electronics/computers/iPad/iPhone etc... Rebuild est is 425k. that is solely for home ins., but is coupled with car multi and wife's company discount.


Reply  •  Back to Top
Posted by Chad504boy on 1/28 at 2:58 pm to wegotdatwood
quote:

They quote me $123 a month for a 150k home


why are you giving us a monthly premium on the policy?



Reply  •  Back to Top
Posted by MaesterMullen on 1/28 at 3:11 pm to wegotdatwood
I have my car insured with them, but Homeowner's was just too high.

I also have a car loan with them. USAA is great, so easy to deal with. Easiest loan i have ever gotten



Reply  •  Back to Top
Posted by Will Cover on 1/28 at 3:16 pm to wegotdatwood
quote:

I called USAA and felt it was pretty high.

They quote me $123 a month for a 150k home, 1k deductible. My vehicles are also insured through them.

They did it based on cost to rebuild (204k)


I have auto, homeowner's, jewelry and life insurance through them.

For homeowner's, I pay $1100 per year, but I have a higher deductible - $5500. Cost to rebuild my house: $300K.



This post was edited on 1/28 at 3:17 pm

Reply  •  Back to Top
Posted by Golfer on 1/28 at 4:17 pm to Will Cover
$890/yr - $700 deductible - No named storm deductible either.

No clue what the rebuild cost on my home would be. If it was a total loss, I'd move anyways.



Reply  •  Back to Top
Posted by wegotdatwood on 1/28 at 4:45 pm to Golfer
So do most do cost to rebuild or cost of home?


Reply  •  Back to Top
Posted by Golfer on 1/28 at 5:10 pm to wegotdatwood
quote:

So do most do cost to rebuild or cost of home?






Reply  •  Back to Top
Posted by Will Cover on 1/28 at 5:51 pm to wegotdatwood
For USAA, their homeowner's coverage helps one rebuild their home based on current construction costs.


Reply  •  Back to Top
Posted by wegotdatwood on 1/28 at 5:59 pm to Will Cover
quote:

For USAA, their homeowner's coverage helps one rebuild their home based on current construction costs.




So I'll likely get a higher quote from them?



Reply  •  Back to Top
Posted by lsu tigerdog on 1/28 at 9:28 pm to wegotdatwood
what they do is they'll pull credit report from one of the bureaus{soft hit} but another factor to determine premium is age of the home,
stick with the $1000k all peril deductible



Reply  •  Back to Top
Posted by dewster on 1/29 at 9:16 am to wegotdatwood
Best I found was $120 for a $260,000 rebuild value with an earthquake exclusion clause. $5000 deductable I think. The house is 33 years old, the roof is about 12 years old.

Louisiana or along the gulf coast would be much higher than what I pay.

Other than living in tornado alley, nothing unusual about this area that would justify a higher costs. We occasionally get winter storms that take a few trees down, but nothing major.


This post was edited on 1/29 at 9:26 am

Reply  •  Back to Top
Posted by NaturalBeam on 1/29 at 9:43 am to wegotdatwood
That does sound high, but how old is your home? That obviously makes a difference.


Reply  •  Back to Top
Posted by Chad504boy on 1/29 at 9:44 am to NaturalBeam
quote:

That obviously makes a difference.



nah, there are no variables in homeowner quotes across the nation.



Reply  •  Back to Top
Posted by wegotdatwood on 1/29 at 10:00 am to NaturalBeam
Built in 85


Reply  •  Back to Top
Posted by Chad504boy on 1/29 at 10:02 am to wegotdatwood
That policy would cost like $3200 in New Orleans with much higher wind deductibles.


Reply  •  Back to Top
Posted by donRANDOMnumbers on 1/29 at 10:24 am to wegotdatwood
they will quote and insure based on the cost to replace the building. this is done because property can be purchased for more or less than what it cost to build the thing.

they come up with this figure using cost estimators based on the construction, size, location, and interior details of your home. with some other factors sprinkled in I'm sure.

they might reduce it some if you ask.


This post was edited on 1/29 at 10:25 am

Reply  •  Back to Top
Posted by Chad504boy on 1/29 at 10:26 am to wegotdatwood
whats your sq ftage?


Reply  •  Back to Top
Posted by wegotdatwood on 1/29 at 2:56 pm to Chad504boy
Just under 2100 sq ft, 1 year old roof.




Reply  •  Back to Top  •  Refresh
Return to Board
Jump to Page   

           Page 1 of 2           

 

 Message Boards
 Tiger Rant
 Score Board
 Recruiting Board
 SEC Rant
 SEC Score Board
 Saints Talk
 Pelicans Talk
 More Sports Board
 Soccer Board
 O-T Lounge
 Tech Board
 Outdoor Board
 Movie/TV Board
 Music Board
 Political Talk
 Money Talk
 Fark Board
 Gaming Board
 Fantasy Sports
 Food and Drink Board
 Ticket Exchange
 Help Board
 

 News
 LSU
 More Sports
 Sports Lite
 

 Other Options
 >> Search
 

 SECRant.com Links
 SEC Rant
 SEC Recruiting
 SEC Tickets
 Off-Topic Board
 

 Geaux.com Dining Guide
 New Orleans
 Baton Rouge
 

 Site Features (Full Version)
 Home Page
 LSU Football Schedule
 Pick'em Home Page
 
Back to top
Sign In 
View in: Desktop
Copyright ©2014 TigerDroppings.com.