Homeowners Insurance

I had them before...no issues at all.

Do they cover nationwide? Looking to change current policies. Biloxi, ms. 2 properties

I have Maison... Rate is really good. One of the few companies that I found that didn't have a huge wind/hail or named storm deductible in my area. I currently work in property claims, not with Maison though. You won't really know how good they are until you have a claim. I spoke with a few people in the area that have had claims with Maison. They use independent adjusters, so its a little slower process than some of the bigger names but haven't heard of any real issues.

If you do go with Maison increase your water back up as I believe standard its a $5,000 limit and its pretty cheap to increase.

They are based out of BR and very small. I know a lot of people who are independent agents and they were scared to put people with them due to weak financials.

This is second hand info though so TIFWIW. I'd look into them though if I were you and looking to move your home insurance to them.

My current agent just told me she will ship around the market for a new quote for me but first they had to know our current occupations. Is that normal? Seems like they just want to know how much we make so they know how much they can charge us. Ugh.

I don't play in the personal lines market but credit based type of questions shouldn't cause alarm


I mean, if you've got a 500k house on 30k annual you might think about lighting that fricker up.

Maison is a fairly garbage company. Some insurance agencies have better financials than Maison.

In any case, lots of homeowner company online raters ask for occupations during the quoting process. Usually i'm just making up something instead of asking. For corksoaker, i'd put home wrecker who loves beer.

Replacement cost will always include cost of demolition and having to get back from scratch in order to rebuild. Lots of companies replacement cost seem high but in reality it's really not if there was ever a worst case scenario

Now my current agent just got back with me about new quotes but with a new company. She said my current policy cannot be changed to reflect a more accurate value/protection amount for our homes. Is this normal?

Even the new quote is for values more than what I told her I wanted. However, they are not double of what the home is worth like our current policies.

Allstate, but the actual policy is not Allstate since they are still not writing policies down here since Katrina. The current policy is with north light speciality but it is through Allstate.

So, they can increase coverage all they want each year, but not decrease it to reflect appraisal value?

Between tax assessment, appraisal value, purchase price, and homeowners insurance, my home value is all over the place.