Homeowner's Insurance

[SOS]

Do you know someone that made a claim with travelers that went smooth ? Officially it’s rated pretty much the lowest out of all the insurances from what I saw with a quick Google search.

I wouldn't recommend Travelers either...
But Travelers is better than allstate.

In nj try
Kingstone
Ngic
Nj skylands
Homesite

If you are willing to pay more try
Natgen premier
Ironshore

Stay away from guard

[CountValentine]

State Farm has paid out like a slot machine, but they are not the cheapest.

[yesitsme]

Who do you guys have coverage with? Occidental Fire & Casualty Company of North Carolina
How much do you pay per year? $999
How much coverage do you get? $598,000
What state is your coverage in? NJ
Are you in a high-risk area (e.g., floods)? No
Is your policy bundled with another policy (e.g., auto)? No
Have you had any claim experience? Was it positive? Describe BH no

[CountValentine]

Who do you guys have coverage with? State Farm
How much do you pay per year? $1150
How much coverage do you get? $500,000
What state is your coverage in? IL not Israel 
Are you in a high-risk area (e.g., floods)? No
Is your policy bundled with another policy (e.g., auto)? Yes, auto
Have you had any claim experience? Was it positive? Describe Positive for all

Have to tell this story funny story. 4th of July and had a 10x20 standard 8 pole tent up. It was not anchored down, and we didn't take it down because we were all hammered. Early morning, we had high winds and it blew up on my neighbor's roof destroying the tent. It also ruined a small section of his gutter. State Farm paid for the tent with no issue but claimed my neighbor's damage was his insurances responsibility since it was an act of G-d. Of course, I had my answer ready from when a tree fell on our fence. I told him it was due to neglect for me not anchoring down the tent. He said not to say that. I told him I just did so write him a check. He wrote it out for the $500 limit. My neighbor couldn't stop laughing.

[miles lover]

I wouldn't recommend Travelers either...
But Travelers is better than allstate.

In nj try
Kingstone
Ngic
Nj skylands
Homesite

If you are willing to pay more try
Natgen premier
Ironshore

Stay away from guard

Thank you
I got a quote from NJ skylands about the same as Allstate and travelers through my mortgage bank and I thought they were an off brand so I didn’t even look into it.

[ExGingi]

Who do you guys have coverage with? State Farm
How much do you pay per year? $1150
How much coverage do you get? $500,000
What state is your coverage in? IL not Israel 
Are you in a high-risk area (e.g., floods)? No
Is your policy bundled with another policy (e.g., auto)? Yes, auto
Have you had any claim experience? Was it positive? Describe Positive for all

Have to tell this story funny story. 4th of July and had a 10x20 standard 8 pole tent up. It was not anchored down, and we didn't take it down because we were all hammered. Early morning, we had high winds and it blew up on my neighbor's roof destroying the tent. It also ruined a small section of his gutter. State Farm paid for the tent with no issue but claimed my neighbor's damage was his insurances responsibility since it was an act of G-d. Of course, I had my answer ready from when a tree fell on our fence. I told him it was due to neglect for me not anchoring down the tent. He said not to say that. I told him I just did so write him a check. He wrote it out for the $500 limit. My neighbor couldn't stop laughing.

Can we have the second half of the story? What happened on renewal?

[CountValentine]

Can we have the second half of the story? What happened on renewal?

Nothing.

[Barryg]

Is it worth it to pay a bit more to get Home insurance with Allstate rather then Travelers ? (NJ)

thanks for reviving. Never knew about this thread

[WonderingYid]

Similar to the renter's insurance thread.

Who do you guys have coverage with?
How much do you pay per year?
How much coverage do you get?
What state is your coverage in?
Are you in a high-risk area (e.g., floods)?
Is your policy bundled with another policy (e.g., auto)?
Have you had any claim experience? Was it positive? Describe.

Added to Wiki.

[Sammy82]

Who do you guys have coverage with? Natgen
How much do you pay per year? 3400
How much coverage do you get? 1500000
What state is your coverage in? NY
Are you in a high-risk area (e.g., floods)? No
Is your policy bundled with another policy (e.g., auto)? No
Have you had any claim experience? Was it positive? Describe. No

[Lurker]

How much do you pay per year? 5300
How much coverage do you get? 380000
What state is your coverage in? FL
Are you in a high-risk area (e.g., floods)? FL...
Is your policy bundled with another policy (e.g., auto)? No
Have you had any claim experience? Yes
Was it positive? Describe. 2 claims, 2 companies. Went through a PA both times. Had to sue the first, settled 1.5 years after the claim. Settled the second without litigation, paid out 10 months after claim. PITA every time.

[WonderingYid]

How much do you pay per year? 5300
How much coverage do you get? 380000
What state is your coverage in? FL
Are you in a high-risk area (e.g., floods)? FL...
Is your policy bundled with another policy (e.g., auto)? No
Have you had any claim experience? Yes
Was it positive? Describe. 2 claims, 2 companies. Went through a PA both times. Had to sue the first, settled 1.5 years after the claim. Settled the second without litigation, paid out 10 months after claim. PITA every time.

Which company?

[Lurker]

Which company?

Currently with a Lloyd's of London subsidiary. Previous experience with Universal.

[yelped]

Currently with a Lloyd's of London subsidiary. Previous experience with Universal.

First, welcome back!

Second, is yours the normal range for South Florida? Is this for a condo? A private house?

[Lurker]

First, welcome back!

Second, is yours the normal range for South Florida? Is this for a condo? A private house?

Private house. FL insurance ranges a lot depending on a ton of factors. My cost may be a little cheaper than other houses of similar age/circumstances down here. I'm also a little under insured, since I haven't adjusted the coverage in 3 years.