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Started By
Message
Hurricane Deductibles
Posted on 9/3/21 at 8:45 pm
Posted on 9/3/21 at 8:45 pm
Are all homeowner's insurance policies as outrageous as State Farm? My deductible is $14,000 and some change. I was curious if this is the case for all companies or is it just a State Farm thing?
41
Posted on 9/3/21 at 8:47 pm to RealityTiger
probably your policy thing. I'm sure state Farm had other policies.
Posted on 9/3/21 at 8:48 pm to RealityTiger
Hurricane deductible is 2%, 5% or 10%
And how is it outrageous? Not like they didn't tell you that's what it would be. You made a choice to have higher deductible for lower premiums.
You gambled...you lost. Actually might not have. How long have you been there snd how much lower was premium? But even if you did lose, you made a choice to gamble.
And how is it outrageous? Not like they didn't tell you that's what it would be. You made a choice to have higher deductible for lower premiums.
You gambled...you lost. Actually might not have. How long have you been there snd how much lower was premium? But even if you did lose, you made a choice to gamble.
Posted on 9/3/21 at 8:48 pm to RealityTiger
I have Geico with car insurance. My homeowners is through Geico as well except for homeowners they use a third party. My hurricane deductible is $1000.
Posted on 9/3/21 at 8:48 pm to RealityTiger
Yes, all carriers have high deductibles for named storms. Either 2 or 3% of the insured value. Some carriers even higher
Posted on 9/3/21 at 8:49 pm to LSUEEAlum
Lol...no it's not. Check again
Posted on 9/3/21 at 8:50 pm to Bucktail1
quote:
Yes, all carriers have high deductibles for named storms. Either 2 or 3% of the insured value. Some carriers even higher
Not true. I have a straight dollar deductible for hurricanes; $1000
Posted on 9/3/21 at 8:50 pm to RealityTiger
You gotta read your policies. None of it is a super secret trick. You can negotiate all of it - it will affect your premiums. Don't like the result - shop around.
Posted on 9/3/21 at 8:50 pm to Bucktail1
Yes it is. I got my papers together before this storm. It’s $1000
Posted on 9/3/21 at 8:50 pm to Bucktail1
State farm is expensive, and like to jack shite up, because they can.
They have been fined 2 times by feds for f'in their customers over. How they continue to have the numbers of customers is beyond me.
They have been fined 2 times by feds for f'in their customers over. How they continue to have the numbers of customers is beyond me.
Posted on 9/3/21 at 8:50 pm to LSUEEAlum
2500 for me
Posted on 9/3/21 at 8:51 pm to LSUEEAlum
quote:
My homeowners is through Geico as well except for homeowners they use a third party. My hurricane deductible is $1000.
SageSure? Or whatever they call themselves? Pretty sure theirs is 2% too, that's who we have
Posted on 9/3/21 at 8:51 pm to lsu777
I appreciate the douchey/aggressive approach to answering a simple question.
Posted on 9/3/21 at 8:51 pm to LSUEEAlum
There is a zero chance you have a $1000 hurricane deductible in the state of LA.
Posted on 9/3/21 at 8:52 pm to Bucktail1
I can send it to you if you want. I have it right in front of me.
Posted on 9/3/21 at 8:53 pm to Bucktail1
With some companies you can have flat deductibles, no matter the loss cause, if you’re willing to pay the premium.
Posted on 9/3/21 at 8:54 pm to calcotron
quote:I think I will. I've been with them for 16 years and have never filed a claim on homeowner's policy. I'm not insinuating that they pulled a fast one on me. I know I didn't read the fine print. I admit that being my fault. I'm just curious if all companies do that before I waste one second doing some shopping next year.
Don't like the result - shop around.
Posted on 9/3/21 at 8:54 pm to Ingeniero
It’s a company called UPC insurance.
Posted on 9/3/21 at 8:54 pm to LSUEEAlum
Is it a policy that has been in force for a long time? That may be the case, because I'm fairly certain the state mandated min deductibles of 2% about 10 yrs ago or so
Posted on 9/3/21 at 8:55 pm to Bucktail1
I have a $1000 deductible as well.
I dropped State Farm years ago because of the price/policy coverage.
I dropped State Farm years ago because of the price/policy coverage.
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