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Started By
Message
Homeowners Insurance?
Posted on 1/28/13 at 2:40 pm
Posted on 1/28/13 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)
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)
10
Posted on 1/28/13 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...
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...
Posted on 1/28/13 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.
Posted on 1/28/13 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?
Posted on 1/28/13 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
I also have a car loan with them. USAA is great, so easy to deal with. Easiest loan i have ever gotten
Posted on 1/28/13 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 1/28/13 at 3:17 pm
Posted on 1/28/13 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.
No clue what the rebuild cost on my home would be. If it was a total loss, I'd move anyways.
Posted on 1/28/13 at 4:45 pm to Golfer
So do most do cost to rebuild or cost of home?
Posted on 1/28/13 at 5:10 pm to wegotdatwood
quote:
So do most do cost to rebuild or cost of home?
Posted on 1/28/13 at 5:51 pm to wegotdatwood
For USAA, their homeowner's coverage helps one rebuild their home based on current construction costs.
Posted on 1/28/13 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?
Posted on 1/28/13 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
stick with the $1000k all peril deductible
Posted on 1/29/13 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.
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 1/29/13 at 9:26 am
Posted on 1/29/13 at 9:43 am to wegotdatwood
That does sound high, but how old is your home? That obviously makes a difference.
Posted on 1/29/13 at 9:44 am to NaturalBeam
quote:
That obviously makes a difference.
nah, there are no variables in homeowner quotes across the nation.
Posted on 1/29/13 at 10:02 am to wegotdatwood
That policy would cost like $3200 in New Orleans with much higher wind deductibles.
Posted on 1/29/13 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.
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 1/29/13 at 10:25 am
Posted on 1/29/13 at 2:56 pm to Chad504boy
Just under 2100 sq ft, 1 year old roof.
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