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Started By
Message
Ascension Home Owners
Posted on 9/10/12 at 10:22 pm
Posted on 9/10/12 at 10:22 pm
What's the round about # you're paying for home insurance+flood in Ascension parish?
4
Posted on 9/11/12 at 1:41 am to couv1217
That number could vastly differ for a number of reasons. Just being in Ascension parish is not gonna make all the insurance premiums the same.
This post was edited on 9/11/12 at 1:42 am
Posted on 9/11/12 at 7:13 am to Who Me
Yea...I thought about that after. Living sq foot is around 1600. House was built in 2006. Fire station is close by. Fire hydrant is near by. What are some other deciding factors. Just trying to figure out if an ~$2000 yearly quote for Home and Flood is a good price
Posted on 9/11/12 at 7:36 am to couv1217
That seems like its in the ball park. My homeowners is going up about $200 when i renew it next month.
Posted on 9/11/12 at 8:11 am to couv1217
$1100 Home Owners Insurance(statefarm) / $650 FEMA flood Insurance. Only $160k insured.
Posted on 9/11/12 at 8:52 am to couv1217
what is your flood zone classification?
Posted on 9/11/12 at 12:08 pm to couv1217
$1300 home owners-no flood
Posted on 9/11/12 at 12:28 pm to ellunchboxo
$1550 homeowners ins., no flood (USAA)
This post was edited on 9/11/12 at 12:58 pm
Posted on 9/11/12 at 2:00 pm to couv1217
Depends on value of home, year built, and credit.
Good credit is very important. Homeowners will range between $800 (new construction, <$200k, good credit) and $2500 (bad credit, old home), with most being around the $1400 area.
Preferred flood is $365/yr, and zones AE and A depend on elevation. $300 - $1600/year.
Good credit is very important. Homeowners will range between $800 (new construction, <$200k, good credit) and $2500 (bad credit, old home), with most being around the $1400 area.
Preferred flood is $365/yr, and zones AE and A depend on elevation. $300 - $1600/year.
Posted on 9/11/12 at 2:35 pm to Slickback
quote:
Depends on value of home, year built, and credit.
Good credit is very important. Homeowners will range between $800 (new construction, <$200k, good credit) and $2500 (bad credit, old home), with most being around the $1400 area.
Preferred flood is $365/yr, and zones AE and A depend on elevation. $300 - $1600/year.
SO FROM $1100-TO $4100 plus or minus 10% cash to agent.
Posted on 9/11/12 at 3:00 pm to Chad504boy
quote:
SO FROM $1100-TO $4100 plus or minus 10% cash to agent.
Could be more or less. Working with the info given.
Posted on 9/12/12 at 1:08 pm to Slickback
Everyone pays the same for flood. It is based on risk, but if you get it through NFIP (everyone does) the rates are the same. It is based on the ABFE of your area and how your house compares. If you are above it, your risk is minimal and you coould pay between $300-$400 a year, any real difference between agents is commission, everyone pays the same. Also, if you are below the ABFE, then your risk goes up. The lower you are, the higher the risk. Only way to tell is from an elevation cert. If you need one call Jimmy Little in FrencH Settlement, really good guy.
Homeowner's varies by companies and perils and could vary widely. Depending on deductibles, coverages, riders, etc. It is very hard to compare unless you get a quote from multiple agents.
Some companies are going to give you problems with a new policy now while we are still under a disaster declaration. Also, once their storm losses are calculated, they may pull out of the LA all together.
Homeowners should be researched, the same as mortgage companies, car dealers, etc. It is a significant amount of money, and with escrowing, most people don't worry about their insurance until they have a claim. Take a day to get some quotes. It is worth it.
Homeowner's varies by companies and perils and could vary widely. Depending on deductibles, coverages, riders, etc. It is very hard to compare unless you get a quote from multiple agents.
Some companies are going to give you problems with a new policy now while we are still under a disaster declaration. Also, once their storm losses are calculated, they may pull out of the LA all together.
Homeowners should be researched, the same as mortgage companies, car dealers, etc. It is a significant amount of money, and with escrowing, most people don't worry about their insurance until they have a claim. Take a day to get some quotes. It is worth it.
Posted on 9/12/12 at 1:31 pm to tiger94gop
quote:
Everyone pays the same for flood. It is based on risk, but if you get it through NFIP (everyone does) the rates are the same. It is based on the ABFE of your area and how your house compares. If you are above it, your risk is minimal and you coould pay between $300-$400 a year, any real difference between agents is commission, everyone pays the same. Also, if you are below the ABFE, then your risk goes up. The lower you are, the higher the risk. Only way to tell is from an elevation cert. If you need one call Jimmy Little in FrencH Settlement, really good guy.
Homeowner's varies by companies and perils and could vary widely. Depending on deductibles, coverages, riders, etc. It is very hard to compare unless you get a quote from multiple agents.
Some companies are going to give you problems with a new policy now while we are still under a disaster declaration. Also, once their storm losses are calculated, they may pull out of the LA all together.
Homeowners should be researched, the same as mortgage companies, car dealers, etc. It is a significant amount of money, and with escrowing, most people don't worry about their insurance until they have a claim. Take a day to get some quotes. It is worth it.
fabricated lies. all of it. don't do any of the above.
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