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wegotdatwood
Member since Aug 2009
17094 posts

re: Homeowners Insurance?

Cost to rebuild the 150k home was 204k according to USAA.

USAA- $1427 a year.

Farm Bureau- $1172 (but have to have car insurance with them and it's much higher than USAA is.)

Waiting to hear back from a local insurance agency.

It's located in Arkansas.


Chad504boy
New Orleans Saints Fan
Greenbriar WV
Member since Feb 2005
91343 posts

re: Homeowners Insurance?
quote:

USAA- $1427 a year.


see how much $ you'd save if you increased your deductible a bit.


wegotdatwood
Member since Aug 2009
17094 posts

re: Homeowners Insurance?
quote:

see how much $ you'd save if you increased your deductible a bit.





$1,500? $2,000?

I don't think I'd be comfortable doing 5k like some, that's a little too much for me.


Chad504boy
New Orleans Saints Fan
Greenbriar WV
Member since Feb 2005
91343 posts

re: Homeowners Insurance?
2500... just weigh the savings


wegotdatwood
Member since Aug 2009
17094 posts

re: Homeowners Insurance?
Will do, I'm assuming people rarely get to make a claim on a house?

Would think I would use my auto insurance more often.


Chad504boy
New Orleans Saints Fan
Greenbriar WV
Member since Feb 2005
91343 posts

re: Homeowners Insurance?
quote:

Will do, I'm assuming people rarely get to make a claim on a house?


theory is that you aren't going to file the small nickel and dime claims. Not saying to go higher deductible, but I certainly do if I feel the premium warrants it.


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PurpleAndGold86
Member since Jun 2012
11036 posts

re: Homeowners Insurance?
quote:

wegotdatwood


I have USAA for my homeowners so I'll throw this out there for comparison.

We have a 3,434 sq foot house in Houston that was built in October of 2010. We are the first people to live in the house.

We pay $2,305.20 a year (195 a month) in premiums. The dwelling is covered to $386,000 and personal belonging inside are covered to $193,000. USAA will not let you go less than half of the value of your dwelling on the personal belongings.

I have auto insurance and personal property (jewelery) with them.

I don't think your quote sounds all that high.


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