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Homeowners insurance
#13096516
03/19/19 02:53 AM
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Joined: Apr 2008
Posts: 2,174
PktChg
OP
Extreme Angler
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OP
Extreme Angler
Joined: Apr 2008
Posts: 2,174 |
My wife and I have found a home we are wanting to put an offer on and I've been researching insurance..........holy [censored]! Who offers affordable coverage?
Pledge-President Squats.....
"Stay hard Bruce"
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Re: Homeowners insurance
[Re: PktChg]
#13096553
03/19/19 03:29 AM
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Joined: Jul 2010
Posts: 9,546
TR176
TFF Celebrity
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TFF Celebrity
Joined: Jul 2010
Posts: 9,546 |
My wife and I have found a home we are wanting to put an offer on and I've been researching insurance..........holy [censored]! Who offers affordable coverage? Wait until you see the school tax bill.
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Re: Homeowners insurance
[Re: PktChg]
#13096600
03/19/19 05:32 AM
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Joined: Apr 2017
Posts: 12,359
tmd11111
TFF Guru
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TFF Guru
Joined: Apr 2017
Posts: 12,359 |
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Re: Homeowners insurance
[Re: PktChg]
#13096605
03/19/19 06:52 AM
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Joined: Jun 2016
Posts: 10,381
Nickbyrd
TFF Guru
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TFF Guru
Joined: Jun 2016
Posts: 10,381 |
Texas farm bureau I think is what we use
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Re: Homeowners insurance
[Re: PktChg]
#13096624
03/19/19 10:13 AM
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Joined: Aug 2003
Posts: 30,332
RedRanger
burro desagradable
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burro desagradable
Joined: Aug 2003
Posts: 30,332 |
My wife and I have found a home we are wanting to put an offer on and I've been researching insurance..........holy [censored]! Who offers affordable coverage? How old is the property? Seems like older the more expensive HomeOwners is. I don't know what you consider affordable, but none out them are affordable. Most people over insure their property. For example your land is appraised at $100K, and your house is $300K, you can look at your local appraisal district website and they will break this out. Just insure the house part not the land, because if the house burned down you really don't need to insure the land. Shop around and do your due diligence on HomeOwners insurance.
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Re: Homeowners insurance
[Re: RedRanger]
#13096664
03/19/19 11:39 AM
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Joined: Apr 2008
Posts: 2,174
PktChg
OP
Extreme Angler
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OP
Extreme Angler
Joined: Apr 2008
Posts: 2,174 |
Pledge-President Squats.....
"Stay hard Bruce"
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Re: Homeowners insurance
[Re: PktChg]
#13096676
03/19/19 12:00 PM
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Joined: Aug 2003
Posts: 30,332
RedRanger
burro desagradable
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burro desagradable
Joined: Aug 2003
Posts: 30,332 |
bundle your home and car insurance you should get a discount. I am with State Farm Get the bundle discount, I had some cop come over and look at my doors and windows and State Farm give some kind of discount fo that as well, I have an alarm and they give me discount for that about the same price as having an alarm per year, I also got Class 3 or 4 style shingles on my roof recently and got another discount. I am not a big fan of changing all the time, I would research and find one that you are comfortable with. If you do have a claim you want to make sure you don't get the short end of the stick.
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Re: Homeowners insurance
[Re: PktChg]
#13096680
03/19/19 12:04 PM
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Joined: Dec 2011
Posts: 8,619
Oldrabbit
TFF Celebrity
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TFF Celebrity
Joined: Dec 2011
Posts: 8,619 |
Good luck, mine went up over $400 this year. Going to call my insurance guy this morning and ask whats going on. It may be time to look elsewhere than my long term company.
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Re: Homeowners insurance
[Re: PktChg]
#13096715
03/19/19 12:50 PM
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Joined: May 2007
Posts: 40,635
WAWI
TFF Guru
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TFF Guru
Joined: May 2007
Posts: 40,635 |
I was pleased with the rates I got from germania, left Allstate.
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Re: Homeowners insurance
[Re: RedRanger]
#13096758
03/19/19 01:19 PM
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Joined: Jan 2012
Posts: 11,772
Coach Hark
TFF Guru
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TFF Guru
Joined: Jan 2012
Posts: 11,772 |
bundle your home and car insurance you should get a discount. I am with State Farm Get the bundle discount, I had some cop come over and look at my doors and windows and State Farm give some kind of discount fo that as well, I have an alarm and they give me discount for that about the same price as having an alarm per year, I also got Class 3 or 4 style shingles on my roof recently and got another discount. I am not a big fan of changing all the time, I would research and find one that you are comfortable with. If you do have a claim you want to make sure you don't get the short end of the stick. Another swear by State Farm. I’ve had all my insurance with them for 35 years.
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Re: Homeowners insurance
[Re: PktChg]
#13096795
03/19/19 01:48 PM
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Joined: Jul 2012
Posts: 12,214
Cast
TFF Guru
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TFF Guru
Joined: Jul 2012
Posts: 12,214 |
Cast I have a short attention spa
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Re: Homeowners insurance
[Re: PktChg]
#13096810
03/19/19 01:57 PM
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Joined: Nov 2009
Posts: 39,479
Dan90210 ☮
Jr Deputy Dan
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Jr Deputy Dan
Joined: Nov 2009
Posts: 39,479 |
I have been happy with All-State. Had one claim after hail storm and small twister two years ago and they were very easy to deal with.
Rates are about the same as I have seen with others. Bundle it with your cars like RedRanger said and you get discounts. Alarms get you a discount. Newer roof gets a discount.
I will tell you this, switching home insurance is a pain if your loan is escrowed (monthly payment includes taxes and insurance and the mortgage servicer pays those for you out of your balance) and most of them are.
It is a PAIN! I have done it twice in 10 years and am glad I am happy with All State because I would rather not have to change again. You get a refund for the balance, then notices that you are short so your payment is going up. To prevent that you can cash that check and send the funds to the mortgage company, or sign it over and send it right to them, but if you do that make sure its going to escrow and nothing else... or the insurance company might contact you and ask for the money and send you a bill direct... they might even threaten to cancel you. It can get complicated. Been there.
Pick a good one the first time.
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Re: Homeowners insurance
[Re: WAWI]
#13096816
03/19/19 02:00 PM
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Joined: May 2002
Posts: 5,085
leethefishking
TFF Celebrity
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TFF Celebrity
Joined: May 2002
Posts: 5,085 |
[quote=WAWI]I was pleased with the rates I got from germania, left Allstate. [/quote. Does Germania do car insurance.
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Re: Homeowners insurance
[Re: leethefishking]
#13096820
03/19/19 02:02 PM
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Joined: May 2007
Posts: 40,635
WAWI
TFF Guru
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TFF Guru
Joined: May 2007
Posts: 40,635 |
[quote=WAWI]I was pleased with the rates I got from germania, left Allstate. [/quote. Does Germania do car insurance.
Yep, I moved it too
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Re: Homeowners insurance
[Re: leethefishking]
#13096821
03/19/19 02:02 PM
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Joined: Feb 2004
Posts: 68,341
Derek ðŸ
Queen of Bees
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Queen of Bees
Joined: Feb 2004
Posts: 68,341 |
[quote=WAWI]I was pleased with the rates I got from germania, left Allstate. [/quote. Does Germania do car insurance.
Yes. I bundled with them after leaving St. Farm and they saved me a lot. My agent also has me email him when Germania does my automatic yearly renewal and he will get their yearly increase knocked down as much as possible.
Ebolacane Researcher CovidNado Chaser McRib Pro Staff Team Beans
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