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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?

What type of construction is the house made of?

Are you in a high-risk area (e.g., floods)?

What state are you in?

Is your policy bundled with another policy (e.g., auto)?

Have you had any claim experience? Was it positive? Describe.

Author Topic: Homeowner's Insurance  (Read 4918 times)

Offline EJB

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Homeowner's Insurance
« on: November 02, 2014, 02:55:18 PM »
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.
« Last Edit: November 02, 2014, 03:13:46 PM by EJB »

Offline EJB

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Re: Homeowner's Insurance
« Reply #1 on: November 02, 2014, 02:57:36 PM »
This is for a policy I just purchased.

Who do you guys have coverage with? Farmers
How much do you pay per year? $1,050
How much coverage do you get? $500,000
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
« Last Edit: November 02, 2014, 03:14:07 PM by EJB »

Offline mochada

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Re: Homeowner's Insurance
« Reply #2 on: November 02, 2014, 03:02:45 PM »
Who do you guys have coverage with? Allstate
How much do you pay per year? $850
How much coverage do you get? $500,000
Are you in a high-risk area (e.g., floods)? No
Is your policy bundled with another policy (e.g., auto)? Yes
Have you had any claim experience? Was it positive? No

Offline @Yehuda

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Re: Homeowner's Insurance
« Reply #3 on: November 02, 2014, 03:11:08 PM »
I think you should list the state, as I imagine that's an important part of what determines the cost.

Offline Matovu

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Re: Homeowner's Insurance
« Reply #4 on: November 02, 2014, 03:12:02 PM »
take into account that some companies give you a hugh discount if you have the Car with them too.

Offline EJB

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Re: Homeowner's Insurance
« Reply #5 on: November 02, 2014, 03:13:32 PM »
I think you should list the state, as I imagine that's an important part of what determines the cost.

Thought I had that. Thanks!

Offline SavingsBigtime

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Re: Homeowner's Insurance
« Reply #6 on: November 02, 2014, 05:31:25 PM »
Similar to the renter's insurance thread.

What type of construction is the house made of ? (brick,frame)
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.

thats one very important part that you left out

Offline Fan of Dan

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Re: Homeowner's Insurance
« Reply #7 on: November 03, 2014, 01:01:26 AM »
Deductible makes a large difference as well. I am getting quotes now and the difference between 1,000 and 2,500 is huge.

Offline EJB

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Re: Homeowner's Insurance
« Reply #8 on: November 03, 2014, 07:16:16 AM »
Deductible makes a large difference as well. I am getting quotes now and the difference between 1,000 and 2,500 is huge.


Surprised about. Savings for me to raise mine from 500 to 2500 is like $100

Offline DP7

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Re: Homeowner's Insurance
« Reply #9 on: January 13, 2015, 07:18:56 AM »
Any recommendations  for getting an elevation certificate in NY (Long Island)?

Offline mercaz1

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Re: Homeowner's Insurance
« Reply #10 on: August 04, 2016, 05:01:09 PM »
anyone have a recommendation for a homeowner insurance agent? house is in long island if it makes a difference.

Offline elit

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Re: Homeowner's Insurance
« Reply #11 on: August 04, 2016, 07:04:22 PM »
anyone have a recommendation for a homeowner insurance agent? house is in long island if it makes a difference.
I got travelers but your best getting an agent and pricing out different options

Offline mercaz1

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Re: Homeowner's Insurance
« Reply #12 on: August 04, 2016, 07:57:56 PM »
I got travelers but your best getting an agent and pricing out different options

do you know of an agent?

Offline elit

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Re: Homeowner's Insurance
« Reply #13 on: August 04, 2016, 08:08:14 PM »

Offline mercaz1

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Re: Homeowner's Insurance
« Reply #14 on: August 04, 2016, 08:25:42 PM »
thanks

Offline Menachem613

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Re: Homeowner's Insurance
« Reply #15 on: August 18, 2016, 12:02:27 PM »
When switching home insurance policies has anyone had trouble getting the first one to stop the auto-renewal? Besides for a written signed request they also want proof of replacement coverage. Why is it their business?

Offline miles lover

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Re: Homeowner's Insurance
« Reply #16 on: December 14, 2021, 02:56:12 PM »
Is it worth it to pay a bit more to get Home insurance with Allstate rather then Travelers ? (NJ)

Offline SOS

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Re: Homeowner's Insurance
« Reply #17 on: December 14, 2021, 03:02:36 PM »
Is it worth it to pay a bit more to get Home insurance with Allstate rather then Travelers ? (NJ)

No

Offline miles lover

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Re: Homeowner's Insurance
« Reply #18 on: December 14, 2021, 06:41:49 PM »
No
Do you know someone that made a claim with travelers that went smooth ? Officially itís rated pretty much the lowest out of all the insurances from what I saw with a quick Google search.

Offline skyguy918

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Re: Homeowner's Insurance
« Reply #19 on: December 14, 2021, 06:46:19 PM »
Anecdotal obviously, but I had a claim for a fire with Allstate and they were very generous - I didn't even need to use my own adjuster and got everything from them I needed and more.