How much do you insure your home for?

[BradM]

20k more than it appraised for, thats all i know

Double coverage? Sweet!

[slow99]

Double coverage? Sweet!

Lmao

[Stng5Pnt8]

Most insurance companies use a replacement cost estimator to come up with the replacement cost value to insure your home. For example with Allstate I can quote your property at RCV +-5% difference. It's not specifically based on the sqft of the home only, we take everything into consideration.

• sqft
• builder grade ie. basic, standard, semi-custom, custom (countertops, cabinets etc)
• height of interior
• material of exterior
• material of interior
• garage & size/style
• fireplace or not
• roof slope type & roof material
• type of windows/doors/skylights or not/etc

there are a few other things taken into consideration.

I'd you have a moment, e-mail me your first & last name and phone #, I can review any quote you have received so far with Allstate if you have and I will make sure you are getting the best discounts & rates possible.

Tony Dominguez
817-405-2011
tdominguez@allstate.com

[Nash B.]

Yeah, way more to it than just price per square foot

[SMKR]

Let me know who you end up going with, don't use the local Texas Farm Bureau unless you want to get dicked around. If I could find this agent's bosses boss I'd be blowing up his phone.

Oh really? Thanks for the heads up.

[SMKR]

Most insurance companies use a replacement cost estimator to come up with the replacement cost value to insure your home. For example with Allstate I can quote your property at RCV +-5% difference. It's not specifically based on the sqft of the home only, we take everything into consideration.

• sqft
• builder grade ie. basic, standard, semi-custom, custom (countertops, cabinets etc)
• height of interior
• material of exterior
• material of interior
• garage & size/style
• fireplace or not
• roof slope type & roof material
• type of windows/doors/skylights or not/etc

there are a few other things taken into consideration.

I'd you have a moment, e-mail me your first & last name and phone #, I can review any quote you have received so far with Allstate if you have and I will make sure you are getting the best discounts & rates possible.

Tony Dominguez
817-405-2011
tdominguez@allstate.com

I'll shoot you an email. I'm getting quotes from $780 to $3418 on the same house, this is insane!

[GrayStangGT]

I'd you have a moment, e-mail me your first & last name and phone #, I can review any quote you have received so far with Allstate if you have and I will make sure you are getting the best discounts & rates possible.

Tony Dominguez
817-405-2011
tdominguez@allstate.com

If I already renewed mine can I still switch and get my money back from my current provider? I just renewed this month with State Farm.

[Stng5Pnt8]

If I already renewed mine can I still switch and get my money back from my current provider? I just renewed this month with State Farm.

Yes, you can switch at any time. The main thing is quoting and getting everything setup for your new policy before submitting a cancellation request. For sure it can be done at any point you choose, the closest to your renewal date I would say is usually best to make sure you get enough of a refund to cover the payment of the new policy to avoid to having to pay much out of pocket. At least for the first year, your escrow will take over from renewal and after, assuming you have an escrow. If you don't, you still have the option to start with any other carrier you choose.

Hit me up for a quote, I'll see what all I can do for you, I've been able to save several people here on the board $$.

Tony
817-405-2011
tdominguez@allstate.com

http://www.dfwmustangs.net/forums/forumdisplay.php?f=67

[Stng5Pnt8]

I'll shoot you an email. I'm getting quotes from $780 to $3418 on the same house, this is insane!

Sure thing, let me know you're from Dfwmustangs.

Yeah, there is a significant number of differences that insurers look at in regards to rating, and of course coverages offered will also have a lot to do with the rating factors.

[Rreemo]

I'm thinking that I need to shop around myself....I've been with Farmers on my vehicles since I was 18 years old, and all 3 of my homes have been with them over the course of the past ~20 years. I recently shopped my car insurance and everywhere else I looked was less....Geico was almost 50% less on my wife's BMW, and a significant chunk on the other cars too. However, my agent was giving us some runaround about how my home insurance would go up if we switched our cars b/c we'd lose the bundled rate....so we didn't switch. Well it turns out we just got the renewal on our homeowners, and it has gone up about 25% again this year...it jumped a lot last year too, and we've never had a claim on the house aside from using the glass breakage clause a couple times.

Another big issue that I'm having is that we've been with the same Farmers agent for about 15 years now, he's an old Dude out in Grapevine, used to be really nice to deal with, but over the past year or so his attitude has changed considerably, with both me and my wife. He's been downright disrespectful to my wife the couple times she called to ask him about these premium increases.....just very short, argumentative, etc. That's a deal breaker for me, especially after I've been bringing him my business with no questions asked for so long. I don't think it's unreasonable to want some explanation when he keeps getting deeper & deeper in my pocket...but he seems to think otherwise.

Tony - I think I'll send you an email too....I can email or fax you my renewal info on the current policy for reference if you need it.

[Roscoe]

Another big issue that I'm having is that we've been with the same Farmers agent for about 15 years now, he's an old Dude out in Grapevine, used to be really nice to deal with, but over the past year or so his attitude has changed considerably, with both me and my wife. He's been downright disrespectful to my wife the couple times she called to ask him about these premium increases.....just very short, argumentative, etc. That's a deal breaker for me, especially after I've been bringing him my business with no questions asked for so long. I don't think it's unreasonable to want some explanation when he keeps getting deeper & deeper in my pocket...but he seems to think otherwise. .

totally unacceptable.... go bang his wife.

[Stng5Pnt8]

I'm thinking that I need to shop around myself....I've been with Farmers on my vehicles since I was 18 years old, and all 3 of my homes have been with them over the course of the past ~20 years. I recently shopped my car insurance and everywhere else I looked was less....Geico was almost 50% less on my wife's BMW, and a significant chunk on the other cars too. However, my agent was giving us some runaround about how my home insurance would go up if we switched our cars b/c we'd lose the bundled rate....so we didn't switch. Well it turns out we just got the renewal on our homeowners, and it has gone up about 25% again this year...it jumped a lot last year too, and we've never had a claim on the house aside from using the glass breakage clause a couple times.

Another big issue that I'm having is that we've been with the same Farmers agent for about 15 years now, he's an old Dude out in Grapevine, used to be really nice to deal with, but over the past year or so his attitude has changed considerably, with both me and my wife. He's been downright disrespectful to my wife the couple times she called to ask him about these premium increases.....just very short, argumentative, etc. That's a deal breaker for me, especially after I've been bringing him my business with no questions asked for so long. I don't think it's unreasonable to want some explanation when he keeps getting deeper & deeper in my pocket...but he seems to think otherwise.

Tony - I think I'll send you an email too....I can email or fax you my renewal info on the current policy for reference if you need it.

Sure thing, a copy of the policy would also help to ensure we are comparing properly. Farmers was one of the carriers that customers rate have been impacted in the past year, the most increase I have seen for a customer was close to a 59% increase of rate. Shoot me an e-mail with the policy or fax will also work, tdominguez@allstate.com or 817-385-6587.

Tony

[Rreemo]

totally unacceptable.... go bang his wife.

I'd imagine she's old bag....that may be why he's so bitter!

Sure thing, a copy of the policy would also help to ensure we are comparing properly. Farmers was one of the carriers that customers rate have been impacted in the past year, the most increase I have seen for a customer was close to a 59% increase of rate. Shoot me an e-mail with the policy or fax will also work, tdominguez@allstate.com or 817-385-6587.

Tony

I just sent you some info, I'll dig out the rest of the policy too. Thanks!

[jewozzy]

I just switched to liberty mutual on everything after getting screwed by farmers. About 6 months after purchasing my home farmers stared they were canceling the policy because they accidently quoted me for the wrong siding. I ended up having to pay $800 extra after their error. Luckily the month before renewal I found out that through my labor group I get a very good group rate with liberty mutual and ended up saving about $1400 overall with all the vehicles and house.

[Gasser64]

Double coverage? Sweet!

dumbass