- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Home owners insurance question
Posted on 4/28/11 at 12:39 pm
Posted on 4/28/11 at 12:39 pm
Need to find a decent home insurance with affordable yearly premiums, preferably around 1200 a year. I know I know, it all depends on the house and location,etc... But comparatively speaking, I have gotten a quote from state farm at $1800/yr and ASI Lloyd at $1300/yr. There are so many flipping options but I don't want my credit run a million times. Any suggestions for reliable but inexpensive ins companies? Care to tell your yearly premium?
6
Posted on 4/28/11 at 12:44 pm to jacquespene8
Liberty Mutual - $700
Posted on 4/28/11 at 12:49 pm to joeygalloway9
Wow. That sounds lovely. Is your home value above or below 170?
Posted on 4/28/11 at 12:49 pm to jacquespene8
Find an Independent Insurance Agent in your area. They can run lots of quotes without getting your credit run a million times.
Posted on 4/28/11 at 1:00 pm to jacquespene8
Home value is above 170. I do have a lot of discounts as I have my auto insurance through Liberty Mutual also. Being that my wife and I both have a college degree also lowers our premium. New Construction, home alarm and even having a fire extinguisher also lowers the premium.
Posted on 4/28/11 at 1:06 pm to joeygalloway9
Wow, I might be gettin a fire extinguisher then! We both have degrees, house 11 yrs old is probably the kicker. My ASI lloyd quote was from an agent that reps several companies, so he should be able to get me more quotes without running my credit again?
Posted on 4/28/11 at 1:08 pm to jacquespene8
quote:
My ASI lloyd quote was from an agent that reps several companies, so he should be able to get me more quotes without running my credit again?
I didn't know that part. If you got several quotes from an agent you may have the best info available.
Posted on 4/28/11 at 1:38 pm to Quidam65
Well we got a separate quote straight from state farm. The other agent only gave me one quote. My wife made the call to him while I was at work yesterday, so she didn't tell him to pull multiple Quotes. He doesnt rep liberty mutual tho, I may look into liberty mutual. Would a house being 11 years old mak a huge difference rather than a new construction?
Posted on 4/28/11 at 1:44 pm to jacquespene8
Probably not. The big issues are the ages of major items, such as the roof, the HVAC unit, the water heater, and the type of wiring in the house (at 11 years you probably have copper wiring).
Posted on 4/28/11 at 3:07 pm to Quidam65
Thanks y'all.
Posted on 4/28/11 at 4:02 pm to jacquespene8
there are a lot of ways to get other discounts, proximity to a fire station, even getting better deadbolt locks on your doors. Anyway you can decrease your liability as well, fenced in yard and etc.
Posted on 4/28/11 at 6:59 pm to jacquespene8
quote:
Care to tell your yearly premium?
I pay $976 per year and my home is insured for $280 K (revised to not include total home value and land amount)
Banker's Insurance.
This post was edited on 4/28/11 at 10:12 pm
Posted on 4/28/11 at 8:06 pm to Will Cover
I have ASI and pay $918. My house is 5 years old and insured for 230K.
Posted on 4/28/11 at 8:47 pm to jacquespene8
Us wealthy types self insure. 
Posted on 4/28/11 at 9:28 pm to StrangeBrew
$826 - Homeowners with State Farm
Posted on 4/29/11 at 1:34 pm to jacquespene8
quote:
Care to tell your yearly premium?
$6500/yr
$4250 - windpool
$1850 - fire and theft
$400 - flood
Want a house?
Posted on 4/29/11 at 1:37 pm to jacquespene8
quote:
jacquespene8
If you have good credit with clean driving record, try getting a auto/home package with Hanover. (through independent agent)
This post was edited on 4/29/11 at 1:38 pm
Posted on 4/29/11 at 10:14 pm to jacquespene8
Just an FYI having agents run insurance quotes is considered a soft pull and doesn't show on your report or affect your credit.
ASI has really good rates and you can combine your auto with Progressive.
I just switched to Progressive from State Farm for the wife and I and we saved over $115 per month just on auto.
ASI has really good rates and you can combine your auto with Progressive.
I just switched to Progressive from State Farm for the wife and I and we saved over $115 per month just on auto.
Posted on 4/29/11 at 10:23 pm to David Wooderson
quote:
ASI has really good rates and you can combine your auto with Progressive
So does Homewise
Posted on 4/29/11 at 11:07 pm to Paul Allen
Do you qualify for USAA? insured fr $225, premium is about $600/yr. This includes new home (built in 2008) and multiple policy (car,home,life)
And you can't beat their customer service. I'd put it against any other company.
And you can't beat their customer service. I'd put it against any other company.
Page 1 of 2
Back to top
Follow TigerDroppings for LSU Football News