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Started By
Message
Looks like it's time to start shopping for homeowners Insurance
Posted on 11/12/25 at 3:52 pm
Posted on 11/12/25 at 3:52 pm
Currently with Farm Bureau but they are raising my rate 1k/yr. In Livingston parish, who are some good recommendations to shop?
5
Posted on 11/12/25 at 4:39 pm to rented mule
I went through an agency called Goosehead this year. Was able to drop mine by like $3k. Also helped a friend of mine get theirs down a bunch. Worth a shot. Here's the number for the agent
(910) 635-7832
(910) 635-7832
Posted on 11/12/25 at 7:14 pm to LEASTBAY
I thought insurance was supposed to be dropping this year?
Posted on 11/12/25 at 7:28 pm to rented mule
Check your new policy. Mine renews in December with FB and they moved me to the new system. I caught it tried jumping my replacement cost (and all subsequent numbers 40% higher)
I called and spoke with my agent and he was able to get it adjusted back to realistic. Not saying that’s your case as it really was only a few hundred different but worth eyeballing
I called and spoke with my agent and he was able to get it adjusted back to realistic. Not saying that’s your case as it really was only a few hundred different but worth eyeballing
Posted on 11/12/25 at 7:33 pm to baldona
Mine did but I had to change policies. Would be interested to see if a current policy will be lowered.
Posted on 11/12/25 at 7:43 pm to LEASTBAY
After I had my replacement cost brought back to reality, mine dropped a few hundred dollars vs dec 2024. Not much in terms of percentage but a move lower. First time… ever in 20 years of my policy
This post was edited on 11/12/25 at 7:44 pm
Posted on 11/12/25 at 7:56 pm to RaginCajunz
quote:
replacement cost brought back to reality
This is much bigger issue than people realize. Not only does it inflate the premium, but it also makes your deductibles for hurricane or wind higher
Posted on 11/12/25 at 8:12 pm to jrobic4
Posted on 11/13/25 at 7:51 am to rented mule
A new company will suck you in with a cheaper premium, but raise them the next 2-3 years. It's all BS!
Posted on 11/13/25 at 8:28 am to Peejack84
quote:
A new company will suck you
For these prices they should.
Posted on 11/13/25 at 10:16 am to rented mule
My premium went down $10 last year and up $60 this year. USAA has been amazing to me. Y'all should try them if you can.
Posted on 11/13/25 at 11:29 am to jrobic4
quote:quote:
replacement cost brought back to reality
This is much bigger issue than people realize. Not only does it inflate the premium, but it also makes your deductibles for hurricane or wind higher
It is now the first thing I check after my insurance jumped 40% after Ida. Agreed with my broker (I use Riverlands) that my old replacement cost was too low, but there was no way they could justify the new rates. He called them up (Sage SURE) and offered to have an appraisal done to dispute the new replacement cost figure, they agreed to drop to a rate all parties agreed to.
Posted on 11/13/25 at 1:58 pm to rented mule
quote:
are raising my rate 1k/yr
oh my god. the horror.
Posted on 11/15/25 at 4:02 pm to Chad504boy
quote:
oh my god. the horror.
Chad... Even I, notoriously lassez faire about thinks like this, called my insurance agent and bitched last week.
3300 a year is dumb.
Posted on 11/15/25 at 4:05 pm to X123F45
quote:
3300 a year is dumb.
Lol
Posted on 11/15/25 at 4:15 pm to Chad504boy
quote:
Lol
My property taxes on one side of the road...$42
The other side: $1680
The cheap side has 22x more land
Insurance costs and taxes have gone retarded.
Posted on 11/15/25 at 6:00 pm to X123F45
While it is crazy at the same 1a good portion of us never pay for a new roof
Posted on 11/17/25 at 11:36 am to X123F45
Flood insurance, property tax and now HO insurance all going up at the same time, it's makes a differnce.
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