Author Topic: Homeowners/renters/personal property insurance  (Read 8431 times)

Offline azhoopsfan

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Homeowners/renters/personal property insurance
« on: July 21, 2011, 01:23:15 AM »
Anyone have a recommendation on companies to get a quote on a new policy?

Thanks

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Offline MarkS

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Re: Homeowners/renters/personal property insurance
« Reply #1 on: July 21, 2011, 09:21:03 AM »
I got a very good rate with Liberty Mutual (800) 295-3753.

Offline elikay

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Re: Homeowners/renters/personal property insurance
« Reply #2 on: July 21, 2011, 09:32:48 AM »
paging Bades

Offline ez1985

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Re: Homeowners/renters/personal property insurance
« Reply #3 on: July 21, 2011, 10:17:51 AM »
Where are you located?

Offline azhoopsfan

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Re: Homeowners/renters/personal property insurance
« Reply #4 on: July 21, 2011, 11:25:34 AM »
Thanks, I'm located in California. 

I have a homeowners policy, but am selling my place and looking for rental insurance (never had rental insurance before).  I've scheduled some personal property with my homeowners policy --- and am assuming I can do the same with a renter's policy. 

Thanks

Offline ganizzy

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Re: Homeowners/renters/personal property insurance
« Reply #5 on: July 21, 2011, 12:46:11 PM »
u can get renters from the same company that u get auto insurance and that may give u a multiple policy discount.
i didnt look up the numbers but i believe i pay about $250 for the year for renters insurance in california.

Offline joesol

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Re: Homeowners/renters/personal property insurance
« Reply #6 on: July 21, 2011, 01:55:41 PM »
I have Geico Auto insurance and called up to quote a renters policy. If I get the renters policy with them, the Auto policy will be discounted 3%.

Offline bades

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Re: Homeowners/renters/personal property insurance
« Reply #7 on: July 21, 2011, 01:57:49 PM »
If you need any help with your insurance needs please let me know..

Offline db

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Re: Homeowners/renters/personal property insurance
« Reply #8 on: July 21, 2011, 03:26:37 PM »
you can call my friend Stuart and hell give you prices on all carriers. 201-681-6454 just tell him Dani sent you

Offline bhphotoman

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Re: Homeowners/renters/personal property insurance
« Reply #9 on: July 21, 2011, 09:32:34 PM »
i say call bades i just used him and he was awesome up to this point just need to fill out the paper work and send it in but so far so great

Offline bades

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Re: Homeowners/renters/personal property insurance
« Reply #10 on: July 21, 2011, 11:04:51 PM »
i say call bades i just used him and he was awesome up to this point just need to fill out the paper work and send it in but so far so great

thanks

Offline cshia

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Re: Homeowners/renters/personal property insurance
« Reply #11 on: July 25, 2011, 12:35:25 AM »
I have metlife for my car and when i added home renters insurance they gave me 10% off

Offline Q274

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Re: Homeowners/renters/personal property insurance
« Reply #12 on: July 25, 2011, 07:41:07 AM »
I second bhphotoman.
I have life, car and biz insurance from bades. great experience, so much so I even referred a friend to work with him.

Offline bades

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Re: Homeowners/renters/personal property insurance
« Reply #13 on: July 25, 2011, 11:04:49 AM »
I second bhphotoman.
I have life, car and biz insurance from bades. great experience, so much so I even referred a friend to work with him.

Thanks BRO

Offline elit

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Re: Homeowners/renters/personal property insurance
« Reply #14 on: June 18, 2015, 07:06:35 PM »
Bringing Back an old thread. Have a question about home owners insurance. Every place is quoting me an amount for replacement cost that they will cover me but then some also saying they gaurentee a 100% of the replacement even if it's higher than that. Did that mean the number they give u is just approximate? If so why do they give you the number at all? And why does it cost more to give you a higher replacement value?

Offline SOS

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Re: Homeowners/renters/personal property insurance
« Reply #15 on: June 18, 2015, 07:59:56 PM »
Bringing Back an old thread. Have a question about home owners insurance. Every place is quoting me an amount for replacement cost that they will cover me but then some also saying they gaurentee a 100% of the replacement even if it's higher than that. Did that mean the number they give u is just approximate? If so why do they give you the number at all? And why does it cost more to give you a higher replacement value?
Replacment cost value is the value that it would cost to replace that damaged item, If it said that you are covered for rcv than you should be fine

Offline elit

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Re: Homeowners/renters/personal property insurance
« Reply #16 on: June 18, 2015, 10:41:29 PM »
Replacment cost value is the value that it would cost to replace that damaged item, If it said that you are covered for rcv than you should be fine
Thank you. So basically if you are covered for full replacement then the replacment value is how they estimate what the cost will be to determine your premium? Which means I'm better off with a lower number not higher like they make it sound?

Offline SOS

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Re: Homeowners/renters/personal property insurance
« Reply #17 on: June 19, 2015, 12:05:45 AM »
Thank you. So basically if you are covered for full replacement then the replacment value is how they estimate what the cost will be to determine your premium? Which means I'm better off with a lower number not higher like they make it sound?
No you want full replacement cost
Basically most mid level insurance companies don't give you up front the full replacement cost, instead they give you the actual cash value which they figure based on the price of the item and the age how much it depreciated in value, and then to get the rest of the rcv you need to prove with receipts that shows how much you payed (a big hassle)
The better companies well give you the full rcv up front without holding back any money

Offline SOS

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Re: Homeowners/renters/personal property insurance
« Reply #18 on: June 19, 2015, 12:37:08 PM »
Bringing Back an old thread. Have a question about home owners insurance. Every place is quoting me an amount for replacement cost that they will cover me but then some also saying they gaurentee a 100% of the replacement even if it's higher than that. Did that mean the number they give u is just approximate? If so why do they give you the number at all? And why does it cost more to give you a higher replacement value?

 100% means that you are guaranteed the full replacement cost up to the limit of the policy
You can have 125% or 150% which will cover 25% or 50% over the limits of the policy

Offline elit

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Re: Homeowners/renters/personal property insurance
« Reply #19 on: June 19, 2015, 05:40:03 PM »
100% means that you are guaranteed the full replacement cost up to the limit of the policy
You can have 125% or 150% which will cover 25% or 50% over the limits of the policy
So that replacement cost is the limit and that supercededes the 100 % replacement gaurentee?