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Homeowners Insurance Question
Posted on 2/9/15 at 4:18 pm
Posted on 2/9/15 at 4:18 pm
I am closing on a house in 3 weeks and have been getting homeowner's and flood insurance quotes. One company I'm receiving quotes for is Maison, the other one is American National Insurance or ANPAC.
The guy pushing ANPAC is very adamant that it is a much higher rated company with much more in total assets, but I'm not sure if he's just trying to push that product on me. Anyone have any experience with either of these companies?
Also, would anyone recommend just contacting local agents from any of the big guys like State Farm, Allstate, Liberty Mutual, etc?
Thanks
The guy pushing ANPAC is very adamant that it is a much higher rated company with much more in total assets, but I'm not sure if he's just trying to push that product on me. Anyone have any experience with either of these companies?
Also, would anyone recommend just contacting local agents from any of the big guys like State Farm, Allstate, Liberty Mutual, etc?
Thanks
This post was edited on 2/9/15 at 5:58 pm
11
Posted on 2/9/15 at 7:10 pm to Saint5446
Allstate sux
Posted on 2/9/15 at 7:51 pm to Gevans17
Why do you say that? Any specific reason or just generally not happy with them?
Posted on 2/9/15 at 8:22 pm to Saint5446
Maisons financials are very weak, compare yourself
Posted on 2/9/15 at 8:35 pm to Chad504boy
Was a shade under 800 last time I checked. Like 780-790. Paying off student loans aggressively has helped (I think).
Posted on 2/9/15 at 8:37 pm to Saint5446
Federated National might be pretty competitive for u
Gotta go through ind agent
Gotta go through ind agent
Posted on 2/9/15 at 8:38 pm to Saint5446
Shelter gave me the best quote.
Posted on 2/9/15 at 9:00 pm to Jabstep
After the April 2011 tornados there was surveys done on the various home insurance companies. I need to the find the documentation, but Allstate was by far the worst and tried every way possible not to pay.
My house as well as my neighbors homes were damaged, and unfortunately I had Allstate. They tried to claim that even though a lot of my property was damaged by an F1 tornado. That it was the straight line winds that damaged the other standing properties on my lot. They refused to pay for anything not specifically on the house, because they don't cover straight line wind damage.
They even fought me paying for some windows that was damaged from my neighbors basketball goal slamming into it.
My house as well as my neighbors homes were damaged, and unfortunately I had Allstate. They tried to claim that even though a lot of my property was damaged by an F1 tornado. That it was the straight line winds that damaged the other standing properties on my lot. They refused to pay for anything not specifically on the house, because they don't cover straight line wind damage.
They even fought me paying for some windows that was damaged from my neighbors basketball goal slamming into it.
Posted on 2/9/15 at 9:10 pm to UltimaParadox
Damn man I'm really sorry to hear that, that sounds awful. I do appreciate you telling me that though.
And Chad I will give them a look thanks for the tip.
And Chad I will give them a look thanks for the tip.
Posted on 2/9/15 at 9:13 pm to Saint5446
All state and State Farm 5% ded
Liberty mutual isn't writing
Tell me about house, age renovations rough dwelling value?
Liberty mutual isn't writing
Tell me about house, age renovations rough dwelling value?
Posted on 2/9/15 at 9:26 pm to Chad504boy
House is 3 years old in west lakeview. One previous owner who we know. Dwelling value right about 200k excluding value of the lot. Nothing crazy on personal property so probably looking for about 50-75k there. 5% deductible is 10K or so then.
Had a quote from American national for a 3200$ hurricane deductible which is beginning to look pretty good, with a 10k "other" wind and hail deductible.
Had a quote from American national for a 3200$ hurricane deductible which is beginning to look pretty good, with a 10k "other" wind and hail deductible.
Posted on 2/9/15 at 9:58 pm to Saint5446
Have you looked into Imperial?
Posted on 2/9/15 at 10:10 pm to LSU1018
I have not. Are they local or national?
Posted on 2/9/15 at 10:13 pm to Chad504boy
Geovera
Posted on 2/9/15 at 10:28 pm to Saint5446
They are based out of Opelousas, usually have cheap rates. Not sure of their stability compared to the others you listed. I just could never see going with one with a 5% deductible.
Posted on 2/9/15 at 11:53 pm to Saint5446
Farm bureau all the way....access one co is hard to beat
Posted on 2/10/15 at 8:46 am to Saint5446
Just buy the cheapest you can get. Any claim will be paid, if the company goes under the LA. Citizens reinsurer will pay the claim.
Posted on 2/10/15 at 8:47 am to sharkfhin
Well the only company I would tell you not to use is Farm Bureau. I had issues all the time with them.
Posted on 2/10/15 at 9:05 am to Cool Hand Luke
quote:
Any claim will be paid
It really isn't that easy, there are a lot of things covered and not covered in a 40 page policy. Now if we are talking about if a tree falls on your house, will the insurance company have money to pay, that is one thing, but does the policy have a wind and hail exclusion... Is there replacement cost on the structure? The contents?
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