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Started By
Message
Homeowner's Insurance
Posted on 1/11/23 at 1:20 pm
Posted on 1/11/23 at 1:20 pm
Anyone else's homeowner's insurance double or increase tremendously without filing a claim or anything?
13
Posted on 1/11/23 at 1:20 pm to btnetigers
Almost everyone's
Posted on 1/11/23 at 1:25 pm to btnetigers
Literally everyone in Louisiana
ETA: be fortunate your company still writes policies and didn't drop you
ETA: be fortunate your company still writes policies and didn't drop you
This post was edited on 1/11/23 at 1:26 pm
Posted on 1/11/23 at 1:27 pm to btnetigers
quote:
without filing a claim or anything?
please define without anything.
Posted on 1/11/23 at 1:29 pm to btnetigers
Yes and I feel fortunate it only went up about 12 percent after hearing everyone else's policies. I had to switch companies though to keep the 1k deductible. Most everyone now pushes for only the 1 or 2% deductible.
Posted on 1/11/23 at 1:31 pm to btnetigers
Mine rose 47%. First time home buyer last year, flood zone x.
My property tax jumped similarly as well.
Good times.
My property tax jumped similarly as well.
Good times.
Posted on 1/11/23 at 2:16 pm to MrJimBeam
Where did you find a $1k deductible? Are you talking wind/hail/hurricane or AOP?
Posted on 1/11/23 at 2:29 pm to Teddy1388
National general, I’m in Baton Rouge. All coverage 1k.
Posted on 1/11/23 at 2:45 pm to btnetigers
Mine went up by 50% last year, then found out last month im getting dropped. Need to start shopping around if anyone knows of a company writing in the Thibodaux area.
Posted on 1/11/23 at 3:02 pm to btnetigers
I've heard the industry is getting away from covering roofs as much.
Posted on 1/11/23 at 3:05 pm to Billy Blanks
We have farm bureau and ours went down after Ida repairs. We recently got a renewal and it went up slightly
Posted on 1/11/23 at 3:20 pm to MrJimBeam
quote:
National general, I’m in Baton Rouge. All coverage 1k.
just pray they offer renewal when it comes up.
Posted on 1/11/23 at 3:43 pm to MrJimBeam
quote:
Yes and I feel fortunate it only went up about 12 percent after hearing everyone else's policies. I had to switch companies though to keep the 1k deductible. Most everyone now pushes for only the 1 or 2% deductible.
Man your premium must either be through the roof with a $1k deductible or the house isnt worth a bunch.
Posted on 1/11/23 at 3:51 pm to btnetigers
Yep unfortunately it's common for everyone here in LA. I'm a Allstate agent and we are one of the few left writing homes here and written more than ever because of it. I feel sorry for the people who live south of LaPlace because they pay out the arse now.
Posted on 1/11/23 at 4:19 pm to Billy Blanks
quote:
I've heard the industry is getting away from covering roofs as much
When Southern Fidelity crashed, the only way we could find an insurer that wasn't citizens to cover our roof was to show it was replaced within last 24 months.
Luckily, Southern Fidelity repalced ours after Zeta.
Posted on 1/11/23 at 4:42 pm to MrJimBeam
National General here as well in BR:
DEDUCTIBLE 1 - Wind/Hail $3,240 (which is 1%)
DEDUCTIBLE 2 - All Other Perils $1,000
Just under $2k year policy
in flood zone X and roof less then 10 years
DEDUCTIBLE 1 - Wind/Hail $3,240 (which is 1%)
DEDUCTIBLE 2 - All Other Perils $1,000
Just under $2k year policy
in flood zone X and roof less then 10 years
Posted on 1/11/23 at 5:58 pm to btnetigers
My previous company folded. I got several quotes and Liberty Mutual had significantly better rates. Not sure how they are with claims yet.
Posted on 1/11/23 at 6:53 pm to thunderbird1100
400-450k house, 2800 deductible.
Posted on 1/11/23 at 7:05 pm to MrJimBeam
quote:
400-450k house, 2800 deductible.
Think you meant $2.8k premium with the $1k deductible.
My policy is 1% deductible at $4,280 with $1,550 premium
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