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![locked post](https://www.tigerdroppings.com/images/layout/lock.gif)
Homeowners Insurance?
Posted on 1/28/13 at 2:40 pm
Posted on 1/28/13 at 2:40 pm
I called USAA and felt it was pretty high.
They quote me $123 a month for a 150k home, 1k deductible. My vehicles are also insured through them.
They did it based on cost to rebuild (204k)
They quote me $123 a month for a 150k home, 1k deductible. My vehicles are also insured through them.
They did it based on cost to rebuild (204k)
Posted on 1/28/13 at 2:44 pm to wegotdatwood
Generally it will drop your auto insurance as well.
I have my vehicle and renters through them... Vehicle is 105 a month before I had renters .... Now I have renters and Vehicle and it costs me 101 a month...![](https://images.tigerdroppings.com/Images/Icons/Iconcheers.gif)
I have my vehicle and renters through them... Vehicle is 105 a month before I had renters .... Now I have renters and Vehicle and it costs me 101 a month...
![](https://images.tigerdroppings.com/Images/Icons/Iconcheers.gif)
Posted on 1/28/13 at 2:55 pm to wegotdatwood
Pay $600 year for insurance on rebuild value and all valuables inside the home, including electronics/computers/iPad/iPhone etc... Rebuild est is 425k. that is solely for home ins., but is coupled with car multi and wife's company discount.
Posted on 1/28/13 at 2:58 pm to wegotdatwood
quote:
They quote me $123 a month for a 150k home
why are you giving us a monthly premium on the policy?
Posted on 1/28/13 at 3:11 pm to wegotdatwood
I have my car insured with them, but Homeowner's was just too high.
I also have a car loan with them. USAA is great, so easy to deal with. Easiest loan i have ever gotten
I also have a car loan with them. USAA is great, so easy to deal with. Easiest loan i have ever gotten
Posted on 1/28/13 at 3:16 pm to wegotdatwood
quote:
I called USAA and felt it was pretty high.
They quote me $123 a month for a 150k home, 1k deductible. My vehicles are also insured through them.
They did it based on cost to rebuild (204k)
I have auto, homeowner's, jewelry and life insurance through them.
For homeowner's, I pay $1100 per year, but I have a higher deductible - $5500. Cost to rebuild my house: $300K.
This post was edited on 1/28/13 at 3:17 pm
Posted on 1/28/13 at 9:28 pm to wegotdatwood
what they do is they'll pull credit report from one of the bureaus{soft hit} but another factor to determine premium is age of the home,
stick with the $1000k all peril deductible
stick with the $1000k all peril deductible
Posted on 1/29/13 at 9:16 am to wegotdatwood
Best I found was $120 for a $260,000 rebuild value with an earthquake exclusion clause. $5000 deductable I think. The house is 33 years old, the roof is about 12 years old.
Louisiana or along the gulf coast would be much higher than what I pay.
Other than living in tornado alley, nothing unusual about this area that would justify a higher costs. We occasionally get winter storms that take a few trees down, but nothing major.
Louisiana or along the gulf coast would be much higher than what I pay.
Other than living in tornado alley, nothing unusual about this area that would justify a higher costs. We occasionally get winter storms that take a few trees down, but nothing major.
This post was edited on 1/29/13 at 9:26 am
Posted on 1/29/13 at 9:43 am to wegotdatwood
That does sound high, but how old is your home? That obviously makes a difference.
Posted on 1/29/13 at 10:24 am to wegotdatwood
they will quote and insure based on the cost to replace the building. this is done because property can be purchased for more or less than what it cost to build the thing.
they come up with this figure using cost estimators based on the construction, size, location, and interior details of your home. with some other factors sprinkled in I'm sure.
they might reduce it some if you ask.
they come up with this figure using cost estimators based on the construction, size, location, and interior details of your home. with some other factors sprinkled in I'm sure.
they might reduce it some if you ask.
This post was edited on 1/29/13 at 10:25 am
Posted on 1/30/13 at 9:05 am to wegotdatwood
quote:
wegotdatwood
I have USAA for my homeowners so I'll throw this out there for comparison.
We have a 3,434 sq foot house in Houston that was built in October of 2010. We are the first people to live in the house.
We pay $2,305.20 a year (195 a month) in premiums. The dwelling is covered to $386,000 and personal belonging inside are covered to $193,000. USAA will not let you go less than half of the value of your dwelling on the personal belongings.
I have auto insurance and personal property (jewelery) with them.
I don't think your quote sounds all that high.
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