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Started By
Message
Shopping for Homeowners Insurance...Advice Appreciated.
Posted on 10/16/24 at 6:57 pm
Posted on 10/16/24 at 6:57 pm
I'm with Safeco and I've had a huge increase. I'm in Baton Rouge, I have a 4 year old roof, no issues etc. I get all these letters in the mail obviously. What am I looking for? What coverages do I really need to be careful about? What extras are worth paying for? I'd really like to shop this and get a decent price as what I'm paying is crazy so any help is appreciated.
11
Posted on 10/16/24 at 7:10 pm to Lsupimp
God Bless You and Good Luck !!!!
Posted on 10/16/24 at 7:50 pm to Lsupimp
Beats me… I have flat 1000$ deductible including hurricane/wind. Was told I would never get that again if I switched anything, so I just bend over every year.
Posted on 10/16/24 at 9:06 pm to Lsupimp
Ask your safeco agent to shop it for you. If you have safeco, you’re with an agent who has other options. If you’re concern is premium and not strength of carrier, they can help. I you want your claim paid, ask them to make some adjustments to your safeco renewal to help offset increase
Posted on 10/16/24 at 9:30 pm to Teddy1388
Ok . Thanks. My escrow exceeds my mortgage. It’s doubled in 2 years.
Posted on 10/17/24 at 8:22 am to Lsupimp
quote:
I'm with Safeco and I've had a huge increase. I'm in Baton Rouge,
Same. BR, no claims. Mine went from about $3000/yr to $6500/yr with Safeco.
I have State Farm auto so I called State Farm and my quote is less than what I paid last year for Safeco plus I get the bundled discount.
With State Farm my deductible went up slightly at 1/2% and my named storm deductible stayed at 2%
This post was edited on 10/17/24 at 8:27 am
Posted on 10/17/24 at 8:29 am to Lsupimp
I just got quoted in Houston $7036 for the year with a 1.5% deductible.
Had multiple brokerages looking for me and that’s the best deal I could find. I could have got it down to around $6500 but I increased some of the coverages and added a couple of things like replacement cost vs AGV on personal items. The biggest thing was lowering the deductible to 1.5%. This was through Sure insurance with a 2 month old roof.
I’ve got Safeco on my cars and that shite is like $450 a month. $12,400 a year to insure 2 cars and a house
Had multiple brokerages looking for me and that’s the best deal I could find. I could have got it down to around $6500 but I increased some of the coverages and added a couple of things like replacement cost vs AGV on personal items. The biggest thing was lowering the deductible to 1.5%. This was through Sure insurance with a 2 month old roof.
I’ve got Safeco on my cars and that shite is like $450 a month. $12,400 a year to insure 2 cars and a house
This post was edited on 10/17/24 at 8:34 am
Posted on 10/17/24 at 8:35 am to Lsupimp
If you have military family (dad, father in law, grandfather) I'd highly recommend USAA.
Posted on 10/17/24 at 8:56 am to Lee Chatelain
quote:
If you have military family (dad, father in law, grandfather) I'd highly recommend USAA.
Is USAA still writing homeowners insurance policies in Louisiana? I know they aren't accepting any new ones in SELA at least.
Posted on 10/17/24 at 9:08 am to Lsupimp
quote:You are not alone. Your escrow is catching up from previous years of increases while forecasting a future increase as well. The escrow departments at these mortgage companies aren't doing any favors the way the calculate and adjust. It seems it could be done on a more level basis rather than the knee jerk reaction we see.
My escrow exceeds my mortgage. It’s doubled in 2 years.
Posted on 10/17/24 at 9:09 am to Miglez
quote:Depends on the location. They are writing but not wide open
Is USAA still writing homeowners insurance policies in Louisiana
Posted on 10/17/24 at 10:45 am to Teddy1388
quote:
Ask your safeco agent to shop it for you. If you have safeco, you’re with an agent who has other options. If you’re concern is premium and not strength of carrier, they can help. I you want your claim paid, ask them to make some adjustments to your safeco renewal to help offset increase
This. I had safeco and it my premium more than doubled in a year. I got with my broker and found a few options that were cheaper than my previous safeco premium
Posted on 10/17/24 at 10:56 am to Lee Chatelain
quote:
If you have military family (dad, father in law, grandfather) I'd highly recommend USAA.
Not if you want a good premium. They are as expensive as it gets.
Posted on 10/17/24 at 10:57 am to Lsupimp
quote:
I'm with Safeco and I've had a huge increase. I'm in Baton Rouge, I have a 4 year old roof, no issues etc.
They price on a grand scale, not just your situation. They are looking at their entire pool of liability. Not that I think it should be that way but it is.
Posted on 10/17/24 at 11:12 am to DaBeerz
What are you paying annually and have you shopped it ? If the difference is significant could you just save that money by not having a claim for 2 years ? Not saying you should switch it but should at least evaluate your options.
Posted on 10/17/24 at 11:25 am to Lee Chatelain
lol, yeah instead of paying 5-6k per year, say hello to $10k or more per year.
USAA is sky high, may be even more than Citizens
USAA is sky high, may be even more than Citizens
Posted on 10/17/24 at 11:25 am to Lsupimp
Self insure.
Posted on 10/17/24 at 11:33 am to Lsupimp
I'm with Safeco as well and got the same news on my renewal. Went from $3700 to $9100. I've been shopping around and have found Allstate and State Farm so far to be better options.
Posted on 10/17/24 at 12:02 pm to PistolPete45
USAA was the cheapest out of all the companies when I got a quote last year.
$5500 per year next closest was $6500 with a much higher deductible and worse coverage. The lady told me they were trying to get more involved in Louisiana
$5500 per year next closest was $6500 with a much higher deductible and worse coverage. The lady told me they were trying to get more involved in Louisiana
Posted on 10/17/24 at 12:58 pm to hamm
quote:
I'm with Safeco as well and got the same news on my renewal. Went from $3700 to $9100
Almost identical.
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