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Started By
Message
What's the best insurance co for house insurance
Posted on 1/1/11 at 10:04 pm
Posted on 1/1/11 at 10:04 pm
?
8
Posted on 1/1/11 at 10:17 pm to In parish jail
Where are you at? job? and type home?
Posted on 1/1/11 at 10:25 pm to In parish jail
State Farm was the best to have after Katrina
Posted on 1/1/11 at 10:26 pm to NELAtigers
I have state farm for both Car and House. I would recommend getting the same person for car and house most of the time b/c you get a discount on each for having the other.
Posted on 1/1/11 at 10:46 pm to LSU1018
I had ampac out of b.r. And asked bout my new house since I have them for my vehicles and they told me they don't insure houses.. I guess they bout to lose my business
Posted on 1/2/11 at 9:28 am to In parish jail
I've had America First and now I am using Banker's.
Posted on 1/2/11 at 9:45 am to In parish jail
USAA
Posted on 1/2/11 at 9:50 am to Shaun176
quote:
USAA
Great company, but not available to the general public.
Posted on 1/2/11 at 10:30 am to In parish jail
Clark Howard always recommends AMICA..
Posted on 1/2/11 at 11:01 am to In parish jail
Americas
Posted on 1/2/11 at 2:17 pm to In parish jail
I'm happy with liberty mutual, pocketed about 4 grand from gustuv with a roof replacement
Posted on 1/2/11 at 6:36 pm to In parish jail
Availability of Homeowners Insurance is partially dependent on where you live.
Further South that you go the smaller the pool of insurance companies.
Need to be concerned with the financial status of the Insurance Company. A.M. Best and Company rates Insurance Companies. Check with them or ask an Agent for a rating.
Other thing to be concerned about are "wind" or "named storm" deductibles.
Normally it is beneficial to put your Auto and Homeowners Insurance with the same company. You will receive a discount.
You might also check with the Department of Insurance regarding complaints about the Insurance Company.
Further South that you go the smaller the pool of insurance companies.
Need to be concerned with the financial status of the Insurance Company. A.M. Best and Company rates Insurance Companies. Check with them or ask an Agent for a rating.
Other thing to be concerned about are "wind" or "named storm" deductibles.
Normally it is beneficial to put your Auto and Homeowners Insurance with the same company. You will receive a discount.
You might also check with the Department of Insurance regarding complaints about the Insurance Company.
Posted on 1/2/11 at 7:36 pm to hobart65
I lived in coastal Louisiana after Katrina and Gustav- State Farm was by far the best company to be with- my neighbors had just about everything else- while they were fighting to get and adjuster out- State Farm sent me an adjuster, repaired my home, put on a new roof and wrote me a check
Posted on 1/2/11 at 9:03 pm to hobart65
quote:
Need to be concerned with the financial status of the Insurance Company. A.M. Best and Company rates Insurance Companies. Check with them or ask an Agent for a rating.
No need for this. AIG was AA+ rated at one point, and we all know what happened to them. Plain and simple, just make sure to ask the agent if the carrier is admitted by the state, if they are, no worries.
FWIW, Bankers is B+ rated and they insure a multitude of properties in South LA.
Posted on 1/2/11 at 10:32 pm to Paul Allen
Just went with ASI (A-) and saved about $500/yr
Posted on 1/2/11 at 11:04 pm to Shaun176
quote:
USAA
dis. Previously with farmers. Dem err good too.
Posted on 1/3/11 at 9:21 am to In parish jail
quote:
In parish jail
YOu can be with a great company but your agent is slashing off coverages to make your price look wonderful.
You can be with a lesser rated company but have all sorts of coverages.
Call independent agents, get quotes, ask them to explain coverage differences, and you will have decisions to make as to what coverages you want to pay for.
Posted on 1/3/11 at 7:24 pm to Chad504boy
I second ASI. Just changed home and car from Safeco to them. Saved a bunch.
Posted on 1/3/11 at 7:51 pm to JBM210
I have had Farm Bureau and then Hanover the last 10 years. No problems with either.
Posted on 1/3/11 at 9:09 pm to Paul Allen
quote:
No need for this. AIG was AA+ rated at one point, and we all know what happened to them. Plain and simple, just make sure to ask the agent if the carrier is admitted by the state, if they are, no worries.
FWIW, Bankers is B+ rated and they insure a multitude of properties in South LA.
If you are going to rely on the Guaranty Fund to pay a Homeowners Loss you are asking for trouble.
First depending on their writings in the state their payouts can be reduced.
Second you will be relying on the Insurance Department (State of Louisiana) to adjust the claim and I doubt that it will be very timely.
A.I.G. was rated A+ XV by A.M. Best. Chartis the same company is rated A+XV.
I would not want my home to be insured by a B+ rated company.
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