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Message
Best value on homeowners policy for livingston parish area?
Posted on 10/22/13 at 10:29 am
Posted on 10/22/13 at 10:29 am
what company usually has the best coverage/customer support at the most reasonable premium?
2000 sq ft brick home, built in 2006, loma'd out of flood zone.
thanks mb
2000 sq ft brick home, built in 2006, loma'd out of flood zone.
thanks mb
7
Posted on 10/22/13 at 1:17 pm to gsvar2004
Centauri
Posted on 10/22/13 at 5:45 pm to gsvar2004
Maison
Posted on 10/22/13 at 8:19 pm to gsvar2004
State Farm-or liberty mutual-combined with auto insurance with them
Posted on 10/22/13 at 8:29 pm to gsvar2004
Armed Forces
Posted on 10/22/13 at 8:37 pm to Chad504boy
quote:
Dog shite
How so?
Posted on 10/22/13 at 9:22 pm to Sdento1
state farm was over 1000 dollars higher than any other quote i got.
Posted on 10/22/13 at 10:09 pm to gsvar2004
Liberty mutual, usaa, centauri
Posted on 10/23/13 at 7:54 am to gsvar2004
quote:
state farm was over 1000 dollars higher than any other quote i got.
Damn, I think my State Farm policy is only 1100 dollars after discounts
I pay an additional 500 for flood after that
Posted on 10/23/13 at 9:51 am to gsvar2004
Well I can tell you that liberty mutual was 900 when I first signed up 4 years ago. Now its 1600 (no claims) would be 1300 with multi discount that I had before. At the time State Farm wanted 1900.
I had Liberty Mutual auto as well but they wanted 1000 more a year for 2 cars more than geico. So I lost $700 more than I saved for the discount. geico's home owners is about the same price as Liberty without auto so I never left liberty.
I had Liberty Mutual auto as well but they wanted 1000 more a year for 2 cars more than geico. So I lost $700 more than I saved for the discount. geico's home owners is about the same price as Liberty without auto so I never left liberty.
Posted on 10/23/13 at 7:14 pm to Paul Allen
Too new, very little financial backing, they way too cheap in some areas, prolly won't be aroun long
Posted on 10/23/13 at 7:28 pm to gsvar2004
I've been out of the business for barely a year, but never heard of Maison. Centuri, GeoVera, Bankers, Gulfstream, Homesite, Occidental, Hallmark, Americas, Lighthouse, etc are all the same. They all suck, all their premiums will see continuous rate increases, and if a hurricane ever does hit LA, you're fricked. Their financial stability is shite and the only reason they are in the state is for the tax incentives granted by the Commish (because he doesn't want to be on the Fair Plan policies - they come in, get a huge tax break, are forced to take over x amount of FP policies and then write a handful of policies).
I would put ASI slightly above those companies, but they planted with some terrible agents that will strip the policy down and sell you a horrendous policy.
Liberty Mutual will jack your rates hard at renewal, plus they have 2 or 4% wind deductible in some areas.
Allstate and SF both have 5% hurricane deductibles, but are solid companies.
Farm Bureau is excluding wind in most areas.
USAA is solid, but
I would put ASI slightly above those companies, but they planted with some terrible agents that will strip the policy down and sell you a horrendous policy.
Liberty Mutual will jack your rates hard at renewal, plus they have 2 or 4% wind deductible in some areas.
Allstate and SF both have 5% hurricane deductibles, but are solid companies.
Farm Bureau is excluding wind in most areas.
USAA is solid, but
Posted on 10/26/13 at 1:17 pm to Slickback
quote:
I've been out of the business for barely a year, but never heard of Maison. Centuri, GeoVera, Bankers, Gulfstream, Homesite, Occidental, Hallmark, Americas, Lighthouse, etc are all the same. They all suck, all their premiums will see continuous rate increases, and if a hurricane ever does hit LA, you're fricked. Their financial stability is shite and the only reason they are in the state is for the tax incentives granted by the Commish (because he doesn't want to be on the Fair Plan policies - the
All companies are seeing continual rate increases including the ones as your good ones and your good companies aren't writing shite on some areas and customers have no choice
Posted on 10/26/13 at 3:45 pm to Chad504boy
I know. It's just a while messed up situation. The homeowners market is a mess in south la.
Posted on 10/27/13 at 9:57 am to Slickback
anyone have experience with Hartford?
Posted on 10/28/13 at 2:52 pm to Chad504boy
The market is hardening. It was soft for 6 or so years.
Posted on 10/28/13 at 3:37 pm to Paul Allen
quote:
The market is hardening.
understatement of the century anywhere near the NOLA area.
Posted on 10/28/13 at 3:40 pm to Chad504boy
Reinsurance market is going through a lot right now.
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