- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
1
Posted on 9/27/12 at 11:02 am to NYCAuburn
Yeah. Why would they buy something that costs more. They want the best coverage, with the best company, with the best rating, lowest deductible, for cheaper than what they are paying now.
Insurance has made me hate people 
Insurance has made me hate people 
Posted on 9/27/12 at 11:03 am to Slickback
quote:
Enjoy your "Wind/Hail" deductible next renewal
Whats that about? Im safeco too. I assume this is huricane related, and if so, will it pertain to me in alexandria? TIA and thanks to all you insurance guys for keeping us updated
Posted on 9/27/12 at 11:03 am to Slickback
quote:
I hate people
Well people are the reason you have insurance. If you didn't have to worry about Willie coming into your house/camp and stealing your gun, or some contractor fricking up your house and it catching on fire then you really wouldn't need insurance.
Posted on 9/27/12 at 11:04 am to Slickback
quote:
Yeah. Why would they buy something that costs more. They want the best coverage, with the best company, with the best rating, lowest deductible, for cheaper than what they are paying now.
They are never happy when I tell them they have ACV and not replacement cost. Oh, no that is not what I bought. Let me call my agent, 5 minutes later, well I guess I did...
Posted on 9/27/12 at 11:05 am to Capt ST
quote:
I notice they've been creeping up on car insurance also.
I was told they all were. My parents rates went up at the same time mine did and they are with SF
Posted on 9/27/12 at 11:05 am to Slickback
quote:
Yeah. Why would they buy something that costs more
I am on the replacement side of the business(I buy you new stuff) but replacement cost endorsements are not that much more, very minimal. And compare it to how you would get paid out on an ACV policy, you would be a moron not to get it.
BTW, in Florida, they dont depreciate claims at all. so you get paid at full value no matter what. now your deductible might be 10-20% of your house value though
Posted on 9/27/12 at 11:12 am to Langston
quote:
Whats that about? Im safeco too. I assume this is huricane related, and if so, will it pertain to me in alexandria? TIA and thanks to all you insurance guys for keeping us updated
If you've been with them over 3 years you are fine. I think it is statewide, but not positive.
Not hurricane related, wind hail related. Any wind or hail loss, regardless of hurricane-related or not, will be subject to the 2% deductible.
Posted on 9/27/12 at 11:13 am to NYCAuburn
quote:
I am on the replacement side of the business(I buy you new stuff) but replacement cost endorsements are not that much more, very minimal. And compare it to how you would get paid out on an ACV policy, you would be a moron not to get it.
I feel you. I won't sell a policy without replacement cost unless they beg for it and then they have at least 3 waivers I'm making them sign.
Posted on 9/27/12 at 11:14 am to Slickback
quote:
Not hurricane related, wind hail related. Any wind or hail loss, regardless of hurricane-related or not, will be subject to the 2% deductible.
Ouch. I have heard that Allstate and State Farm are looking to depreciate roofs even with R/C on policies...
Posted on 9/27/12 at 11:17 am to wickowick
I'm a fan of going to all ACV on roofs and $5,000 deductible, but waived for claims over $5,000.
Market would be much more desirable.
Market would be much more desirable.
Posted on 9/27/12 at 11:19 am to Slickback
quote:
I'm a fan of going to all ACV on roofs and $5,000 deductible, but waived for claims over $5,000.
Market would be much more desirable.
I'm still trying to figure out why I have to pay the insurance company 2k when my house was broken into and they send me a check right back. How about I don't and we say I did?
Posted on 9/27/12 at 11:20 am to Slickback
quote:
If you've been with them over 3 years you are fine.
Was three years last Feb on the house. Autos more like 5. Appreciate the explination.
Posted on 9/27/12 at 11:22 am to Langston
You're good then.
Posted on 12/29/12 at 11:59 am to Slickback
Lots of new guns being bought. Bump for those that missed this...
Posted on 12/29/12 at 12:24 pm to wickowick
I don't realize it was a bumped thread an was surprise to see Nico posting again when I started on page 1.
This post was edited on 12/29/12 at 12:55 pm
Posted on 12/29/12 at 12:29 pm to El Josey Wales
Posted on 12/29/12 at 12:53 pm to wickowick
Insurance guys, how does USAA rate compared with the other major companies? I've had them for auto insurance for years and now that we're looking to buy a house I'll be shopping home insurance soon.
Posted on 12/29/12 at 12:57 pm to hashbrowns
I have heard they are very good, compared to other companies, If you qualify. I have had no direct dealings.
Page 2 of 2
Popular
Back to top
Follow TigerDroppings for LSU Football News