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GeauxTime9
LSU Fan
Baton Rouge, La
Member since Dec 2010
4951 posts
 Online 

Best/Cheapest Home Insurance Companies?
I am getting some drastic changes in cost on an older home in the Southdowns area. I have received quotes back from about 7 companies, numbers running from $1,500-$3,000.

Any recommendations on who to call?


btnetigers
LSU Fan
South Louisiana
Member since Aug 2015
1820 posts

re: Best/Cheapest Home Insurance Companies?
Have you tried Farm Bureau? Gave me a really good rate.


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20
Chad504boy
New Orleans Saints Fan
Member since Feb 2005
135240 posts
 Online 

re: Best/Cheapest Home Insurance Companies?
who's the $1500 option?


GeauxTime9
LSU Fan
Baton Rouge, La
Member since Dec 2010
4951 posts
 Online 

re: Best/Cheapest Home Insurance Companies?
quote:

who's the $1500 option?


State Farm


prostyleoffensetime
USA Fan
Mississippi
Member since Aug 2009
9040 posts

re: Best/Cheapest Home Insurance Companies?
I'm paying about 850 for 225k worth of coverage with Travelers


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BamaCoaster
LSU Fan
God's Gulf
Member since Apr 2016
2003 posts

re: Best/Cheapest Home Insurance Companies?
quote:

GeauxTime9


quote:

who's the $1500 option?


quote:

State Farm


You have your answer.


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Chad504boy
New Orleans Saints Fan
Member since Feb 2005
135240 posts
 Online 

re: Best/Cheapest Home Insurance Companies?
apples to apples coverages? Replacement Cost contents etc? What's the storm deductible? 5% What's your coverage A quoted?


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Mr.Perfect
LSU Fan
Louisiana
Member since Mar 2013
16809 posts

re: Best/Cheapest Home Insurance Companies?
Go to the department of insurance website. They have a pricing guide from all carriers based on certain criteria


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Shaun176
LSU Fan
Baton Rouge
Member since Aug 2008
1308 posts

re: Best/Cheapest Home Insurance Companies?
USAA


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TigerTatorTots
New Orleans Pelicans Fan
The Safeshore
Member since Jul 2009
75065 posts

re: Best/Cheapest Home Insurance Companies?
$900/year for $300k coverage, $1,000 deduct, 2% hurricane deduct, and $150k contents all replacement cost

Federated National


SaintNation
New Orleans Saints Fan
Member since Dec 2008
1277 posts

re: Best/Cheapest Home Insurance Companies?
There are so many factors that are involved here that no one on here will be able to tell you what company is the best. We have over 25 companies in southern Louisiana and there are many factors that determine what company is the best for you. Each company has better rates for what they like ex. Older homes, newer homes, exact location, construction, your credit score, claims history, type of roof etc. The only way get the best rate for yourself is have an independent insurance agent with a larger agency shop you around. Once you have the best rate you then can make sure the company is backed by the state. Not promoting myself at all but if you want to shop your policy from over 25 compaines(every independent company in the state) I would be happy to help you out. I work for one of the largest independent compaines in LA.
This post was edited on 10/26 at 6:32 am


Paul Allen
Notre Dame Fan
Montauk, NY
Member since Nov 2007
58327 posts

re: Best/Cheapest Home Insurance Companies?
Maison
Access Home
UPC

Just to name a few...


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20
Chad504boy
New Orleans Saints Fan
Member since Feb 2005
135240 posts
 Online 

re: Best/Cheapest Home Insurance Companies?
quote:

Federated National


definitely won't be the same for all.


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11
igotit
LSU Fan
Member since May 2016
49 posts

re: Best/Cheapest Home Insurance Companies?
UPC would probably be a good option on this one.


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GeauxTigers1983
LSU Fan
Slidell, La
Member since Sep 2015
308 posts
 Online 

re: Best/Cheapest Home Insurance Companies?
Maison Insurance based in Baton Rouge


nugget
LSU Fan
Member since Dec 2009
9070 posts

re: Best/Cheapest Home Insurance Companies?
quote:

Maison Insurance based in Baton Rouge


Maison is good but they usually aren't that competitive on older homes. Same with FedNat. You're better off just going to the 2-3 biggest independents you know and asking them to give you a quote.


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lsufan1971
LSU Fan
Zachary
Member since Nov 2003
8197 posts

re: Best/Cheapest Home Insurance Companies?
Try ASI.


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