Anybody get homeowners thru costco (american family insurance)

I switched to them last month from Lemonade.

Policy is good, premium is good, haven't had to use it yet so quality is untested, but I trust Costco to have decent services like this.

Switched from allstate to them, premium went up $500 buf also bundled auto which went down by $2200 annually

They insure "replacement rebuild cost" on the costco plan which they estimated was $761k for my townhome which would sell for $420k maybe today

Made no sense to me, but alright, saving a ton moving both home and auto to them from allstate

Deductible is only $500 which i may change shortly to like $5k? Ut was $4.5k kn previous policy so that's contributing to higher premium for sure too

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Costco seems to burn relationships though. I wouldn't be shocked if Costco is with another company in a few years.

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Costco has been offering insurance to its members through American Family Insurance (under the brand name CONNECT, formerly Ameriprise Auto & Home Insurance) for more than 20 years.

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I have not used it myself though but wouldn't hesitate to give it a try.

Pathetic that the cost to rebuild is higher than the value of the property. Contractors are the new oilfield baws.

Most PUDs use economies of scale when building homes.

A plumber can come out and work on 5 homes. Same for an electrician/hvac/cabinetry etc..

A housefire won't have that advantage. It is the difference of paying for a stamp to deliver one more parcel to your subdivision versus paying a courier fee (times every subcontractor in the home)

If you are in a stated value state, then you get the dwelling amount after a fire even if a builder can do it for less.

All of that said, you can review their replacement cost calculator to make sure it is accurate. The amount of times that it is double-counting square footage is depressing.

Just switched to auto for them. Policy goes in effect on Friday