Homeowner's Insurance

[EJB]

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.

[EJB]

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

[mochada]

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

[@Yehuda]

I think you should list the state, as I imagine that's an important part of what determines the cost.

[Matovu]

take into account that some companies give you a hugh discount if you have the Car with them too.

[EJB]

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!

[SavingsBigtime]

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

[Fan of Dan]

Deductible makes a large difference as well. I am getting quotes now and the difference between 1,000 and 2,500 is huge.

[EJB]

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

[DP7]

Any recommendations  for getting an elevation certificate in NY (Long Island)?

[mercaz1]

anyone have a recommendation for a homeowner insurance agent? house is in long island if it makes a difference.

[elit]

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

[mercaz1]

I got travelers but your best getting an agent and pricing out different options

do you know of an agent?

[elit]

do you know of an agent?

Pm sent

[mercaz1]

thanks

[Menachem613]

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?

[miles lover]

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

[SOS]

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

No

[miles lover]

No

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.

[skyguy918]

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.