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Started By
Message
Homeowners Insurance
Posted on 3/7/24 at 7:38 am
Posted on 3/7/24 at 7:38 am
Rate increased 82% last year with current provider so looking to change. Anyone have any experience with Homesite Insurance Company or Gulf States Insurance?
Thanks for any input.
Thanks for any input.
4
Posted on 3/7/24 at 8:09 am to mdboss
Where do you live?
Cajun Underwriters have us an all inclusive quote that was pretty good. USAA was better.
I’ve heard Swyfft mentioned as another giving good rates as well.
Cajun Underwriters have us an all inclusive quote that was pretty good. USAA was better.
I’ve heard Swyfft mentioned as another giving good rates as well.
Posted on 3/7/24 at 8:31 am to Geauxld Finger
Good rates doesn't always mean good insurance. Just sayin'.
Posted on 3/7/24 at 8:40 am to Geauxld Finger
BR.
Exactly Tigers4Life. That is why I'm seeking anyone with experience with these companies.
Exactly Tigers4Life. That is why I'm seeking anyone with experience with these companies.
Posted on 3/7/24 at 10:10 am to mdboss
who are you with now.
what's the possible premium savings difference.
discussion would start there.
what's the possible premium savings difference.
discussion would start there.
Posted on 3/7/24 at 10:48 am to Chad504boy
Liberty Mutual.
$1600/year savings
$1600/year savings
Posted on 3/7/24 at 10:59 am to Chad504boy
I’m in river ridge. Citizens for my wind and hail alone was 4000.
USAA got me to 3400 all inclusive. Cajun was a tick higher at 3750 all in.
Friend of mine got Swyfft which quotes him at about 3k less than he had with Lloyds
USAA got me to 3400 all inclusive. Cajun was a tick higher at 3750 all in.
Friend of mine got Swyfft which quotes him at about 3k less than he had with Lloyds
Posted on 3/7/24 at 11:03 am to mdboss
I switched to Liberty Mutual. Had a friend who works at Goosehead set it up for me. Had to get something new because the previous carrier went insolvent (one of the many FL based companies) so I had her help me out.
Your best option would be to call and get quotes. If you don't feel like doing most of that leg work, you can use Insurance Network of Louisiana. It's free.
Your best option would be to call and get quotes. If you don't feel like doing most of that leg work, you can use Insurance Network of Louisiana. It's free.
Posted on 3/7/24 at 11:22 am to BilbeauTBaggins
I've called and gotten quotes. Homesite and Gulf States are a couple that have quoted but not familiar with them at all.
Posted on 3/7/24 at 11:26 am to mdboss
IMO, go with a bigger carrier to avoid the risk of needing to find a new one later down the road.
Posted on 3/7/24 at 12:25 pm to Geauxld Finger
quote:In process of leaving Cajun. More than doubled my rate from previous year, no claims.
Cajun Underwriters have us an all inclusive quote that was pretty good
Posted on 3/7/24 at 2:04 pm to mdboss
USAA has steadily went up each year. Every year we've owned our house since 2014 we've been behind on escrow because they raise their rates. Our homeowners policy timeframe and mortgage company escrow timeframe is off by 4 months. Escrow goes by Jan-Dec. USAA renews every April. So as a result we are lacking in our escrow account every year.
Posted on 3/7/24 at 3:26 pm to The Mick
quote:
In process of leaving Cajun. More than doubled my rate from previous year, no claims.
I wish I could leave them but even with the increase in January I had no other options in Lafourche parish. $2,400 last year now $3,119 for 490k coverage wind fire hurricane.
Posted on 3/7/24 at 3:47 pm to mdboss
quote:
Liberty Mutual.
$1600/year savings
i wouldn't leave liberty mutual. probably ain't no going back. you're leaving for chicken shite companies not guaranteed to be around in 2 years. look at measures to maybe reduce cost on liberty mutual policy.
Posted on 3/7/24 at 4:19 pm to mdboss
Just be aware, there is a good chance when you switch companies they will send out a. Underwriter to look at the home. They could require roof replacement when you swap insurers
Posted on 3/7/24 at 5:24 pm to Chad504boy
quote:
you're leaving for chicken shite companies not guaranteed to be around in 2 years.
Cajun should be around if OP is considering them. It's just a branch of SafePoint who is battle-tested.
Posted on 3/7/24 at 8:32 pm to rmnldr
OP send me a message @gmail. I deal with insurance company’s in a daily basis
Posted on 3/7/24 at 9:07 pm to rmnldr
quote:
Cajun should be around if OP is considering them. It's just a branch of SafePoint who is battle-tested.
Dude they are con artists just going from paper to paper
Posted on 3/8/24 at 9:30 am to Chad504boy
Correct, LM/Safeco are closed for business in south La and pulling contracts from agents. They want out and pricing/UW will get their capacity where they want it.
Posted on 3/10/24 at 6:39 am to NASA_ISS_Tiger
I’m pretty sure all insurance in LA goes up yearly. Doesn’t matter who you have. I’ve never had an escrow surplus due to insurance in the 6 years I’ve been a homeowner. This year my house note is going up $300 a month due to the 72% increase in insurance this year plus the mortgage company ran an analysis and thinks it’ll go up again so they’re adding that figure into the escrow as well. So now my escrow had a fricking shortage of $3000 to catch up on. Ridiculous. Infuriating.
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