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re: .
Posted on 6/28/24 at 8:31 pm to Redstickbaw
Posted on 6/28/24 at 8:31 pm to Redstickbaw
$14300 vermilion parish farm bureau. I’m gonna start shopping. Up from 9 k last year. 5000 sq ft 1 mil coverage
0
Posted on 6/28/24 at 9:06 pm to Redstickbaw
$4400 just got my bill
House is worth about 625k but I have 2 large buildings on my property where my FIL lives.
House is worth about 625k but I have 2 large buildings on my property where my FIL lives.
Posted on 6/28/24 at 9:37 pm to Jake88
Jake, Would you mind sharing who your insurer is?
Posted on 6/28/24 at 9:40 pm to Redstickbaw
20k Uptown
Posted on 6/28/24 at 10:20 pm to Redstickbaw
House built in 65 in Gulf Shores proper (on the island)
Home is masonry veneer
New roof as of 2021
Hurricane shutters
$700k value for 3300 sq ft
2021-$4000
2022-$6000
2023-$10k
2024-?????
Our deductible is $35k, so I’m out of pocket literally $45k before insurance kicks in a dime for wind damage.
Home is masonry veneer
New roof as of 2021
Hurricane shutters
$700k value for 3300 sq ft
2021-$4000
2022-$6000
2023-$10k
2024-?????
Our deductible is $35k, so I’m out of pocket literally $45k before insurance kicks in a dime for wind damage.
Posted on 6/28/24 at 10:48 pm to Chad504boy
I don't its any stretch to say that a given home in LA has a higher chance of flooding than a home in OH. Doesn't mean some creeks and rivers don't get out of their banks up there and flood some homes though.
Posted on 6/28/24 at 10:51 pm to Redstickbaw
9,000
Posted on 6/28/24 at 11:12 pm to Redstickbaw
Benefits of not living in the gulf
1.3M - 1100 a year
2.2M - 1600 a year
1.3M - 1100 a year
2.2M - 1600 a year
Posted on 6/28/24 at 11:34 pm to Redstickbaw
Sounds like going rates are 1.5-2% of value near the gulf/hurricane prone areas, and drop to 0.8-1% in Baton Rouge area. Are people including the all in price for these quotes (floor insurance), or just homeowners insurance?
Posted on 6/29/24 at 12:56 am to Zachary
State Farm. Been with them for decades.
Posted on 6/29/24 at 6:20 am to Redstickbaw
I feel like the breaking point for me was when the premiums exceeded 1% of the dwelling coverage (ie $3k on a $300k house) and still having the carry a deductible of 2% of the dwelling coverage.
My investment property was way worse than that.
My investment property was way worse than that.
Posted on 6/29/24 at 6:22 am to Redstickbaw
$4900/year in Mandeville
Posted on 6/29/24 at 6:24 am to Joehat
quote:
Louisiana citizens
I'd move out of the state before I got to that point.
Posted on 6/29/24 at 8:14 am to Redstickbaw
I am guessing that isn’t real. I pay nearly 2k in Northern Alabama and rates up here are relatively cheap comparatively
Posted on 6/29/24 at 8:25 am to Redstickbaw
64k a year in NOLA
This post was edited on 6/29/24 at 8:26 am
Posted on 6/29/24 at 9:26 am to bulletprooftiger
Huge reduction.
How much was the fortified roof after the $10k from the state?
How much was the fortified roof after the $10k from the state?
This post was edited on 6/29/24 at 9:28 am
Posted on 6/29/24 at 9:59 am to Redstickbaw
Mine was about 4500 in 2022.
That was the last year I had it before I cancelled it.
They raised in to $12k in 2023 and after calling around and not finding anything cheaper, I didn’t bother renewing or getting a new policy.
That was the last year I had it before I cancelled it.
They raised in to $12k in 2023 and after calling around and not finding anything cheaper, I didn’t bother renewing or getting a new policy.
Posted on 6/29/24 at 10:50 am to Redstickbaw
Spouse and I both work remote. We are going to have to move out of this cuck state.
Posted on 6/29/24 at 12:58 pm to Rip Torn
quote:
I am guessing that isn’t real. I pay nearly 2k in Northern Alabama and rates up here are relatively cheap comparatively
His quote is fairly close to my rate. He's in BR which isn't as hurricane prone as some of the other areas of S LA. It's just further inland.
A major storm on the right path could cause a good bit of damage here, but it would be weakened some by the time it got here.
Gustav is the only storm that I recall in 46 years that caused a good bit of damage in BR, but it was still nothing compared to what has happened to places like Lake Charles and Nola in recent history.
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