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Started By
Message
Homeowners insurance. Anyone got their new rates yet?
Posted on 11/19/25 at 6:38 pm
Posted on 11/19/25 at 6:38 pm
I got the call today that they want to go over my homeowners. No hurricanes this year, but we had a hail storm in NorthLa. Anybody got their new rate yet? I’m with State Farm.
This post was edited on 11/19/25 at 8:00 pm
18
Posted on 11/19/25 at 6:40 pm to Demonbengal
Very few claims, and st farm wont cover my area that has never flooded, in the worst of storms and rain.
They will give out profit bonuses probably and then beg for fed aid after the next drizzle
They will give out profit bonuses probably and then beg for fed aid after the next drizzle
Posted on 11/19/25 at 6:41 pm to ChatGPT of LA
Someone is a public adjuster or plaintiff attorney
Posted on 11/19/25 at 6:48 pm to Demonbengal
Farm Bureau here. Only a nominal increase. My car insurance with Farm Bureau actually went down a couple of hundred every 6 months.
Posted on 11/19/25 at 6:50 pm to Demonbengal
Not until April for me.
Car insurance did go down a bit with State Farm
Car insurance did go down a bit with State Farm
Posted on 11/19/25 at 6:51 pm to Demonbengal
I self insure. I don’t have time for their games.
Posted on 11/19/25 at 6:52 pm to ChatGPT of LA
quote:
Very few claims, and st farm wont cover my area that has never flooded, in the worst of storms and rain. They will give out profit bonuses probably and then beg for fed aid after the next drizzle
There is so much retard in this post, I don't even know where to begin.
Flood insurance is FEMA, through NFIP. Has absolutely frick all to do with homeowners insurance.
SF is a mutual company, not a stock company. Show your work around federal aid for private insurance companies and profit bonuses?
This post was edited on 11/19/25 at 6:55 pm
Posted on 11/19/25 at 6:54 pm to GeauxGutsy
quote:
I self insure
This the same as letting it ride?
Posted on 11/19/25 at 6:54 pm to Demonbengal
Mine went down 300.00
First time in 10 years
First time in 10 years
Posted on 11/19/25 at 6:55 pm to GeauxGutsy
quote:
I self insure. I don’t have time for their games.
I would too but the cost of defense is very high.
Posted on 11/19/25 at 6:55 pm to PeteRose
quote:
This the same as letting it ride?
It's the same as being financially illiterate.
Posted on 11/19/25 at 6:56 pm to Demonbengal
If you aren't shopping every 3-4 years for another carrier, you are overpaying.
Posted on 11/19/25 at 6:58 pm to Sunnyvale
quote:
Mine went down 300.00
Which insurance company?
Posted on 11/19/25 at 7:01 pm to Demonbengal
I have State Farm and renewed in October. It went up but it was a very small increase only $200-300. With the increases I've seen in previous years I was pretty happy.
This post was edited on 11/19/25 at 7:02 pm
Posted on 11/19/25 at 7:04 pm to Demonbengal
What do you mean yet? Everyone's homeowners doesn't expire at the end of the year.
Posted on 11/19/25 at 7:11 pm to LEASTBAY
I set up mine in November so I usually get the renewal around this time of year.
Posted on 11/19/25 at 7:32 pm to Demonbengal
Yes, rate increase was negligible...one claim, hail damage...Farmer's....North Texas
Posted on 11/19/25 at 7:38 pm to Demonbengal
Haven’t paid for home insurance in 8 years.
Posted on 11/19/25 at 7:48 pm to DCtiger1
quote:
Flood insurance is FEMA, through NFIP. Has absolutely frick all to do with homeowners insurance.
SF is a mutual company, not a stock company. Show your work around federal aid for private insurance companies and profit bonuses
I was speaking and driv8ng. The point is, my area, has never, in the history of the 30 years of the subdivision, has a storm done major damage, or any flooding, etc...even during historic 100 year floods in Lafayette....to illustrate is a low claim area..
Just bought another home that ill live in part time for winter, while I slowly renovate.
So listed as primary residence, 200 sq ft...now new roof....State Farm declined because it doesnt write this area....Allstate took it for 3100 per year....not sure what increase OP saw, haven't been thru one yet, and I pay in full
As far as the bonus comment...I dont give a frick what or who they are....it was tongue in cheek on how they'll have huge profits, but cry like a bitch when they have claims......fig
Posted on 11/19/25 at 7:50 pm to Demonbengal
SageSure, no claims, Cenla, coming due in Feb 2026 and got a notice it will be going up $108 for the entire year...we pay full the year to get the discount.
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