Homeowners Insurance

[Roscoe]

New homes are cheaper to insure than older homes.

Not to the extent Ryan is getting though.

[BMCSean]

A bit over 2400sq ft. 4 br, 3ba, attached garage. $147 a mo through USAA.
Realized this week that I have a hail deduction of $5000. Does that sound normal?

Mine is the same through usaa, I have a 2% deductible on hail and storm. They covered EVERYTHING though.

[Sgt Beavis]

I think I'll look into it a bit more. However my neighbor did say that he had the same deductible specific to hail. Something like that wouldn't kill me but it's always a PITA to part with that kind of cash. Especially when I'm going to be spending heavily on updates and repairs over the next few years..

[SVT Lurch]

Homeowners Insurance

Not to the extent Ryan is getting though.

That may be true, but there are lots of factors that go into insurance. Unless they're all identical it's hard to say whether or not a policy is a good deal.

[Country cracker]

I had a buddy shopping around and he was amazed that insurance companies wouldn't even give him a quote when he mentioned he had a pool.

[32vfromhell]

235k of coverage,
+50 increased dwelling coverage

personal property at 176k


with auto discounts added and 1% deductable for both wind/hail and policy.


Seems like very good coverage

[32vfromhell]

Jesus, I pay $1800/yr for coverage over $600k... You need to find another quote.

I can send you my guy's name from Nationwide.

Ross, send me your guys info

[8mpg]

I got quotes from a couple places so far:

Allstate - $1100-1400
Nationwide - $1900
Liberty Mutual $1400

I will be giving Tony a call for a real quote and check on the auto as well over with Allstate

[Stng5Pnt8]

Give me a call guys or shoot me an e-mail, some of the rates/deductibles I see some people post up are crazy!

If there is a pool, there is no issue.

Farmers/StateFarm/LibertyM./Hartford and few others had uprates over 30% as Tim stated on his policy.
Allstates new home plan actually dropped January 2014 as those carriers took significant rate increases.

We have great bundling discounts available to work down both home/auto/financials etc.

I've been able to save several board members $, not everyone but most of the people that have taken the time to reach out. Plus I will send you a free Visa gift card for your time just for giving us the opportunity to give you a quote, No Purchase Necessary.

Allstate Insurance
Dominguez Agency
1101 E. Bardin Rd. suite 141
Arlington, TX. 76018
817-405-2011
tdominguez@allstate.com

[chronical]

I'm bumping this. I have a 1700 square foot home, built in 2009 with out a pool. My current policy is 1200 a year. It's going up to $1800. Who are y'all using?

[Blackpony]

We just switched our cars and house to allstate. Saved us almost 800 a year after combining it. So far the local agent we have been dealing with has been great!

[BlackGT]

Germania
2,000sf 4 bed 2 bath, no pool is right around $1,200/year for homeowners policy with bundle discount for having our cars insured through them as well.

[zemog]

Germania here also, 2400sq ft, 30x40 shop, no pool on 11 acres, I pay 330/quarter.

[dcs13]

Germania here also, 2400sq ft, 30x40 shop, no pool on 11 acres, I pay 330/quarter.

Have same /house/shop/little more acres with Germania. Mine went up 27% this year. It's now $1800 a year...I'm in Collin County

[Hmbre97]

This is a result of all the catastrophies/hail storms over the last few years. Insurance companies have to get approval from the state board of insurance to raise rates over certain percentages. It takes a while to get all that stuff worked out but pretty much every insurer is raising rates to get back in the black.

BTW, most insurance companies will let you set different deductible amounts for different coverages. You can leave your all perils deductible at a higher amount and lower your wind/hail deductible. That's what I do. I leave all my deductibles at 2% of reconstruction cost most of the year and then just lower my wind/hail down to like $500 in the spring time.