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Started By
Message
What is everyone doing for LA homeowners insurance?
Posted on 9/9/22 at 8:49 am
Posted on 9/9/22 at 8:49 am
In Mandeville, currently with UPC.
What is everyone going with? Looking for some recommendations that won't be astronomical.
Thanks
What is everyone going with? Looking for some recommendations that won't be astronomical.
Thanks
12
Posted on 9/9/22 at 8:51 am to MakeMoney
Posted on 9/9/22 at 8:57 am to MakeMoney
Shelter Insurance was great during Laura and Delta. Worth looking into.
Posted on 9/9/22 at 8:59 am to SulphursFinest
Looking to pay off mortgage ASAP and go self-insured for storm risk.
Posted on 9/9/22 at 9:30 am to Dandaman
quote:
Looking to pay off mortgage ASAP and go self-insured for storm risk.
Same here. Do you mean self-insured, as in only carrying liability and dropping fire/wind/hail?
Posted on 9/9/22 at 10:07 am to meeple
I could not imagine having the largest asset I will ever own not insured against catastrophic loss.
Posted on 9/9/22 at 10:41 am to MakeMoney
quote:
What is everyone going with?
stay as long as possible. national general is one of the few writing and are pretty underwriting particular.
Posted on 9/9/22 at 10:43 am to Chad504boy
Gulf States has been good to us...so far.
Posted on 9/9/22 at 11:00 am to MakeMoney
USAA
Posted on 9/9/22 at 11:17 am to trident
Pushed us over to another company and got the standard
Catastrophe Coastal Property - not even close to the "coast" either.
Catastrophe Coastal Property - not even close to the "coast" either.
This post was edited on 9/9/22 at 1:19 pm
Posted on 9/9/22 at 11:23 am to MakeMoney
I'm in the good hands of Louisiana Citizens! 
Posted on 9/9/22 at 11:34 am to jfw3535
quote:
I could not imagine having the largest asset I will ever own not insured against catastrophic loss.
If someone is getting raked over the coals on premiums they are required to pay because their mortgage forces them to, and they have a considerable savings built up that they don't mind allocating to repairs, and they are willing to take on that risk, then it may be worth considering?
Odds are, any repairs would be a nice chunk of change to meet any deductible such as a roof repair. Depending on where you live (elevation/trees), then it may worth taking on that risk.
If all of the above works out, then really the only thing that would really set you back is a total loss event... which is extremely rare (tornado, x00 year flood event, etc.).
Again, it's a risk and totally depends on an individual's location, financial situation and risk tolerance.
ETA:
I'm with Geico right now, and they sub wind/hail out to Sagesure.
This post was edited on 9/9/22 at 11:36 am
Posted on 9/9/22 at 11:41 am to MakeMoney
ASI/Progressive. $2500 hurricane deductible. In metairie
This post was edited on 9/9/22 at 11:42 am
Posted on 9/9/22 at 12:03 pm to MakeMoney
HMA insurance company.....Hauling My Arse out of this area.
Posted on 9/9/22 at 1:35 pm to jsk020
quote:
ASI/Progressive. $2500 hurricane deductible. In metairie
how many years you've been with them? They're getting off anyone they can.
Posted on 9/9/22 at 2:51 pm to jsk020
quote:
ASI/Progressive. $2500 hurricane deductible. In metairie
Same for me. I've been with them for 13 years.
Posted on 9/9/22 at 3:31 pm to MakeMoney
National General
Cheaper than my pre Ida policy with lighthouse.
Cheaper than my pre Ida policy with lighthouse.
Posted on 9/9/22 at 3:41 pm to MakeMoney
State Farm
Posted on 9/9/22 at 4:28 pm to MakeMoney
I have Allied Trust, was really worried about a huge increase in my July renewal. Only went up $200, I was thrilled.
Posted on 9/9/22 at 5:58 pm to Cool Hand Luke
I’m surprised allied hasnt told the state to kick rocks yet
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