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Started By
Message
re: Got my homeowners renewal
Posted on 5/24/25 at 8:45 am to latxwoman
Posted on 5/24/25 at 8:45 am to latxwoman
Did the exact same thing two years ago. Farm Bureau tripled my premium. Told
me it was across the board and
Nothing I could do about it. Switched to USAA.
Only down side to USAA is that their auto insurance is expensive, but I’m still paying less than Farm Bureaus policy premium to have everything covered.
Like you, I too am ready to leave Louisiana in the rear view mirror. It’s just not worth it anymore.
me it was across the board and
Nothing I could do about it. Switched to USAA.
Only down side to USAA is that their auto insurance is expensive, but I’m still paying less than Farm Bureaus policy premium to have everything covered.
Like you, I too am ready to leave Louisiana in the rear view mirror. It’s just not worth it anymore.
0
Posted on 5/24/25 at 8:56 am to Solo Cam
quote:
The bullshite part is the deductibles for hurricanes are percentage based at 5% so the only real reason anyone ever files a claim- is going to run most people over 20k
Mine is still flat 1000$, they told me I’m grandfathered in and nobody will do that anymore which is why I haven’t changed yet. Mine is more in the 4k range I think, but it does keep going up
Posted on 5/24/25 at 8:56 am to BabyTac
You should see if you can get a policy without wind and hail coverage. Chances are a wind/hail loss in LA if you keep a serviceable roof and don’t live under trees will be manageable.
Fire loss is not manageable.
Also cut down any trees that may fall on the home if you do not have insurance.
Fire loss is not manageable.
Also cut down any trees that may fall on the home if you do not have insurance.
Posted on 5/24/25 at 8:58 am to tigergirl10
quote:
Drinking and partying are priorities, though.
Don’t forget football.
Posted on 5/24/25 at 9:00 am to Solo Cam
quote:
Still a lot but ended up saving him $450/month on his escrow
Your friend owes you a nice lunch!
Posted on 5/24/25 at 9:05 am to Demonbengal
Landrys number one goal this session is to make Tim Temple look as weak and as feckless as possible and keep the plaintiff attorneys who have him in their pockets as fat and happy as possible. And so far he’s accomplishing both.
Posted on 5/24/25 at 9:24 am to Solo Cam
quote:
I called my agent and they got him down to $4100
Agent?
Posted on 5/24/25 at 9:25 am to latxwoman
quote:
Same coverage
Chills
Posted on 5/24/25 at 9:30 am to latxwoman
I have State Farm and they are even worse for homeowners in Louisiana.
Luckily, I just sold my place yesterday after four days on the market in Gonzales, LA.
So I am a sell out.
I’ve been living in Bend OR for the last year, keeping my house in Louisiana vacant.
I feel privileged to leave Louisiana.
LSU 2000 undergrad.
LSU Forever.
Luckily, I just sold my place yesterday after four days on the market in Gonzales, LA.
So I am a sell out.
I’ve been living in Bend OR for the last year, keeping my house in Louisiana vacant.
I feel privileged to leave Louisiana.
LSU 2000 undergrad.
LSU Forever.
Posted on 5/24/25 at 9:32 am to latxwoman
quote:
Nope, not CEO -- If I was, I certainly would not be living here. I would have moved long ago.
Seriously? I thought for sure you are the CEO of USAA
Posted on 5/24/25 at 9:40 am to Solo Cam
quote:My rates haven't gone up for years from $3,600 per year for 650k coverage of the dwelling and 250k for contents. Don't most companies bait you in with cheap prices the first year or 2 then start raising?
it's amazing to me how many people just pay the premium and don't shop rates
Posted on 5/24/25 at 9:41 am to Jake88
quote:
250k for contents.
JFC dude that seems a little aggressive
Posted on 5/24/25 at 9:42 am to latxwoman
Check your policy coverages. The insurance company will try to over cover you. USAA will only let you chose between 50 or 75% of structure coverage for furnishing. No one has $500K worth of furniture, appliances and TVs in a $675K home. Also, they figure total loss as cost to rebuild from scratch. I have slab foundation with stucco over block. If whatever event requires me to totally scrap and start over, I'm moving, seriously.
Posted on 5/24/25 at 9:44 am to dalefla
Attorneys will always rule this state no matter if it’s Democrat or Republican.
Posted on 5/24/25 at 9:46 am to tigergirl10
quote:
As a former teacher
Clown retirement packages that teachers get, is part if the reason we are poor. Teaching is a joke and deserves no where near those type of lifetime benefits
Posted on 5/24/25 at 9:47 am to Geauxld Finger
quote:
Wind mitigation?
I'm in Orleans Parish and have my wind/hail policy through Citizens. 100+ year old house and put a new roof on it after Ida. My agent suggested getting this done and it made a MASSIVE difference. I think the company I used is called Wind Mitigation Surveyors
Posted on 5/24/25 at 9:47 am to tigersownall
What if it’s a designer shingle but 10 years old?
Posted on 5/24/25 at 9:50 am to Jake88
quote:
My rates haven't gone up for years from $3,600 per year for 650k coverage of the dwelling and 250k for contents. Don't most companies bait you in with cheap prices the first year or 2 then start raising?
Where is your house located? This is a big part of the equation.
Posted on 5/24/25 at 9:52 am to gorillaballin
quote:
Wind Mitigation Surveyors
big scam in Fl
Posted on 5/24/25 at 9:55 am to latxwoman
You are very wise to move away from Louisiana. I do not recommend raising a family here.
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