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Started By
Message
Homeowner Insurance question
Posted on 3/9/18 at 4:16 pm
Posted on 3/9/18 at 4:16 pm
Buying a house and looking at insurance quotes. I've been with State Farm for the past 20 years -- have our vehicles, our current house and a small life insurance policy through them. Never had any issues.
Whoops...
Hit submit too soon.
Anyway, State Farm quote came back high. Interested in looking elsewhere.
Any recommendations?
Liberty Mutual came back $650 lower annually. Others were similar, so it seems State Farm is on average $500-600 more a year.
Just looking for some guidance.
Whoops...
Hit submit too soon.
Anyway, State Farm quote came back high. Interested in looking elsewhere.
Any recommendations?
Liberty Mutual came back $650 lower annually. Others were similar, so it seems State Farm is on average $500-600 more a year.
Just looking for some guidance.
This post was edited on 3/9/18 at 4:20 pm
13
Posted on 3/9/18 at 4:16 pm to cleeveclever
State Farm is high as giraffe pussy in the NOLA area. You should probably shop your rates.
ETA: Look at that, I was right
ETA: Look at that, I was right
quote:
Whoops... Hit submit too soon.
Anyway, State Farm quote came back high. Interested in looking elsewhere.
This post was edited on 3/9/18 at 4:22 pm
Posted on 3/9/18 at 4:18 pm to cleeveclever
My broker got me a policy straight from Lloyd’s. Still expensive as frick but it was the cheapest
Posted on 3/9/18 at 4:18 pm to cleeveclever
None of your post is a question.
Subject should be “Homeowner Insurance statements”.
Subject should be “Homeowner Insurance statements”.
This post was edited on 3/9/18 at 4:20 pm
Posted on 3/9/18 at 4:19 pm to cleeveclever
Sooooo what’s the question?
Posted on 3/9/18 at 4:19 pm to cleeveclever
What's the question?
Posted on 3/9/18 at 4:20 pm to Breaux
quote:
Sooooo what’s the question?
Fixed post.
Posted on 3/9/18 at 4:20 pm to cleeveclever
Why wouldn’t you go with Liberty Mutual?
Posted on 3/9/18 at 4:20 pm to cleeveclever
I switched to American Strategic. Have had no claims but their reviews are pretty good. Was much cheaper than Chubb.
Posted on 3/9/18 at 4:21 pm to cleeveclever
quote:
Just looking for some guidance.
Did you ask your husband what he thinks?
Posted on 3/9/18 at 4:21 pm to cleeveclever
Only recommendation is look for good agents near by.
I live in a rural area so at first I had a local insurance, but vehicles were USAA. Ended up just leaving USAA.
I will always probably keep house with this insurance, but will shop around in the future for my auto. (Usually pay annually or semi for autos)
I live in a rural area so at first I had a local insurance, but vehicles were USAA. Ended up just leaving USAA.
I will always probably keep house with this insurance, but will shop around in the future for my auto. (Usually pay annually or semi for autos)
Posted on 3/9/18 at 4:21 pm to tgrbaitn08
Try my agent of many years auto/home combined. Michelle Nash 225-292-8808
Posted on 3/9/18 at 4:33 pm to cleeveclever
Good idea to compare coverages just to make sure everything is on par. Are they both Replacement cost? Are the Deductibles the same? Contents coverage?
Posted on 3/9/18 at 4:51 pm to DCtiger1
quote:
Good idea to compare coverages just to make sure everything is on par. Are they both Replacement cost? Are the Deductibles the same? Contents coverage?
Coverages are the same. I'd heard that State Farm was trying to get out of writing new homeowner policies in LA, but they didn't hesitate to drop me a quote -- or course it was significantly higher than the other quotes.
Does anyone here have Liberty Mutual? Any horror stories or positive experiences? Most of the online reviews are all over the place, but they seem to be that way for most of the carriers -- so it isn't much help.
Posted on 3/9/18 at 4:55 pm to cleeveclever
I have State Farm and feel they were reasonable.
Posted on 3/9/18 at 5:43 pm to cleeveclever
Go with the cheapest quote you can find. Highest deductible. Only plan on filing a claim if you have total loss. They’ll screw you no matter what in the end but better take your chances and save your money each year.
Posted on 3/9/18 at 5:58 pm to CorkSoaker
I have Liberty Mutual. The deductible is a little higher for wind damage, but they will at least cover. If you live in Rapides Parish on south, avoid Allstate. They don't like hurricanes or tornados.
Posted on 3/9/18 at 11:05 pm to damnedoldtigah
Had state farm for the past 14 years. Had auto with them then packaged with homeowners when I purchased my house. Rates have increased dramatically on auto over the past year so I shopped around and went with Safeco through an independent agent. Both homeowners and auto were cheaper. Increased limits on some items and additional coverages not had through state farm plus added flood insurance and still saved $1k on what I was paying through state farm.
Posted on 3/9/18 at 11:11 pm to lilyankems
Safeco rates are awesome right now if you fit their appetite (no claims, married, homeowner, good credit).
Also, they just sold a shitton of their oil reserves, so they've got some capital to "buy" the market.
Also, they just sold a shitton of their oil reserves, so they've got some capital to "buy" the market.
Posted on 3/9/18 at 11:18 pm to cleeveclever
State Farm is insanely high compared to every other quote or coverage I’ve ever had.
Their rep claims it has to do with the cost difference in being paid what something is worth vs true replacement value. That explains some of the cost differences but not roughly $600-800 of difference compared to other quotes on the same property.
Their rep claims it has to do with the cost difference in being paid what something is worth vs true replacement value. That explains some of the cost differences but not roughly $600-800 of difference compared to other quotes on the same property.
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