Homeowners Insurance.

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Homeowners Insurance.

Postby xram » Mon May 13, 2013 11:45 am

Buying our first home.

Closing may 31st.

Need homeowners insurance.

Any suggestions?

Companies you like?

Good deals?

Gonna research this myself but never hurts to ask.

Thanks
Xram
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Re: Homeowners Insurance.

Postby xram » Mon May 13, 2013 11:48 am

VTI, VBR, VTWV, SCHH, VXUS, VEA, VWO, VSS, FM, VNQI, VBTLX, VFITX, SCHP, VWITX, IBONDS, EEBONDS, EF(EverBank), UTAH-529
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Re: Homeowners Insurance.

Postby donaldfair71 » Mon May 13, 2013 12:22 pm

Look 1st to bundle with your other insurances (such as auto).

I use Geico for both, found it to be cheapest for me. They knocked about 20% of my monthly homeowners off since they were my auto insurer. But I know other people for whom Geico was not the cheapest rate, and found cheaper bundles in different regions. But they all got a discount on 1 or both policies by combining.
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Re: Homeowners Insurance.

Postby Blues » Mon May 13, 2013 12:24 pm

Amica, USAA and Auto Owner's were the best when I last researched a year or two back. I'm with Amica.
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Re: Homeowners Insurance.

Postby pochax » Mon May 13, 2013 1:07 pm

+1 Amica
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Re: Homeowners Insurance.

Postby rixer » Mon May 13, 2013 6:25 pm

I got a good price with Mercury Casualty. Over half off what I was paying.
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Re: Homeowners Insurance.

Postby Boonedog » Mon May 13, 2013 6:31 pm

Liberty Mutual was the cheapest for me for bundling 1 home, 1 SUV & 1 Pickup truck with camper.
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Re: Homeowners Insurance.

Postby Blues » Mon May 13, 2013 6:35 pm

rixer wrote:I got a good price with Mercury Casualty. Over half off what I was paying.


I think it's all a matter of timing.

When I left Geico/Travelers (and I had been with Geico for about 30 years) I saved half or more when I put home, auto and umbrella with Amica.

(Of course, in the past couple of years prices have begun to creep back up...but I've no doubt that they'd be as much or more with the others and i wasn't happy with Travelers in any case. They were overpriced and I was underwhelmed.)
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Re: Homeowners Insurance.

Postby mike143 » Mon May 13, 2013 6:40 pm

Don't know where you are, might help to provide that info. Amica won't insure my home in Florida so I and a few coworkers have ASI (americanstrategic.com).
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Re: Homeowners Insurance.

Postby Munir » Mon May 13, 2013 7:07 pm

Shop around and get comparable quotes in your area. Rates vary by region and year so there is no one company that consistently comes ahead nationally.
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Re: Homeowners Insurance.

Postby SamB » Mon May 13, 2013 7:38 pm

You might want to deal with a broker that will compare bundled rates from different insurance companies. When you get into the details with each policy and company it may muddy the waters, and this is what a broker should be able to deal effectively with. What matters is the bottom line for combined coverage. I bundle home, auto, and umbrella.
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