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Posted on 2/12/16 at 10:16 am
Posted on 2/12/16 at 10:16 am
(no message)
This post was edited on 8/29/17 at 1:33 pm
6
Posted on 2/12/16 at 10:37 am to CQQ
Your homeowners seems really high for $236k dwelling coverage. I'd call a few independent agents and have them do the shopping for you. I use Quality Plus Insurance out of Lafayette. Super nice family owned business.
Posted on 2/12/16 at 10:44 am to TigerTatorTots
quote:
Your homeowners seems really high for $236k dwelling coverage
You must not be from around here. Anything less than 1% of coverage A is a deal in south Louisiana. His price is a great deal on homeowners.
Posted on 2/12/16 at 10:58 am to GoIrish02
I'm speaking from my limited experience....
$909 annual premium for the Covington/Madisonville area
$305,000 Dwelling
$15,250 other structures
$152,500 personal property
$61,000 loss of use
$300,000 personal liability each occurance
$5000 medical each person
Deducts
Hurricane (2% Coverage A)
All other perils $1,000
I know Federated National is usually much lower than others, but I did get another quote for ~$1550 annual premium
$909 annual premium for the Covington/Madisonville area
$305,000 Dwelling
$15,250 other structures
$152,500 personal property
$61,000 loss of use
$300,000 personal liability each occurance
$5000 medical each person
Deducts
Hurricane (2% Coverage A)
All other perils $1,000
I know Federated National is usually much lower than others, but I did get another quote for ~$1550 annual premium
Posted on 2/12/16 at 11:06 am to CQQ
Have you called Allstate recently and ask about any new discounts?
Posted on 2/12/16 at 11:20 am to CQQ
quote:
I don't think your homeowners is actually with allstate insurance company. Might be with their north light company.
I'd see what lowering your contents coverage to 50% saves. Also increase your liability to 300k. Other than that, your total premium is not bad. But there's still many variables with your credit score, age of home etc. Only an independent agent can quote you with other carriers to see if he can compete. Safeco auto might be your best bet to shop that w/ independent agent too. But your premiums aren't bad at all to be honest.
Posted on 2/12/16 at 11:21 am to TigerTatorTots
quote:
from my limited experience....
$909 annual premium for the Covington/Madisonville area
This is not a norm especially on southshore.
Posted on 2/12/16 at 11:24 am to Chad504boy
quote:From what I'm looking at it is with Allstate. He probably has an older policy with Allstate, something prior to 2004. North Light has a different policy declarations.
I don't think your homeowners is actually with allstate insurance company. Might be with their north light company.
Posted on 2/12/16 at 11:26 am to Chad504boy
I didn't see where he said the southshore.
Posted on 2/12/16 at 11:31 am to TigerTatorTots
quote:
I didn't see where he said the southshore.
its a very subtle tone in his typing i can smell. you may be right, not sure where he's at exactly.
Posted on 2/12/16 at 11:32 am to Shadowlink
The homeowners is from 2014. Also have flood through them.
Posted on 2/12/16 at 11:46 am to CQQ
I don't have $180,000 in personal property inside that house
Where do they come up with that # and is that not high?
ETA - just looked it up. Wonder what dropping it from 75% to 50% would save.
Also - I'm in Lake Charles FWIW
Where do they come up with that # and is that not high?
ETA - just looked it up. Wonder what dropping it from 75% to 50% would save.
Also - I'm in Lake Charles FWIW
This post was edited on 2/12/16 at 11:55 am
Posted on 2/12/16 at 11:55 am to TigerTatorTots
Are you North or south of I-12?
Posted on 2/12/16 at 12:19 pm to CQQ
Call other companies?
Posted on 2/12/16 at 12:23 pm to CQQ
I'm about to be shopping as well. State Farm just went up on my auto insurance with no tickets and no claims ever made! 
Posted on 2/12/16 at 12:44 pm to Cool Hand Luke
Just on the north side of 12
Posted on 2/12/16 at 12:45 pm to CQQ
quote:More premium money for them I would imagine.
Where do they come up with that # and is that not high?
I think it can be no lower than 50% of dwelling value for personal property so that is what you should do.
Posted on 2/12/16 at 12:48 pm to CQQ
quote:
I don't have $180,000 in personal property inside that house Where do they come up with that # and is that not high?
Usually personal property coverage is 50% of the dwelling limits. In your case it's 75%. Other structure coverage is usually 10%.
When there is a total loss. Personal property quantity and value appreciates rapidly since you get to complete the list of contents
This post was edited on 2/12/16 at 1:24 pm
Posted on 2/12/16 at 1:01 pm to TigerTatorTots
quote:newer construction?
Just on the north side of 12
Posted on 2/12/16 at 1:03 pm to Chad504boy
Yes, new house
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