Homeowners Insurance.

Questions on how we spend our money and our time - consumer goods and services, home and vehicle, leisure and recreational activities

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
VTI, VBR, VTWV, SCHH, VXUS, VEA, VWO, VSS, FM, VNQI, VBTLX, VFITX, SCHP, VWITX, IBONDS, EEBONDS, EF(EverBank), UTAH-529
xram
 
Posts: 783
Joined: Sat Sep 15, 2012 12:36 pm

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
xram
 
Posts: 783
Joined: Sat Sep 15, 2012 12:36 pm

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.
donaldfair71
 
Posts: 108
Joined: Wed Mar 06, 2013 5:15 pm

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.
“Tactics without strategy is the noise before defeat.” - Sun Tzu
"Everybody has a plan until they get punched in the mouth." - Mike Tyson
User avatar
Blues
 
Posts: 1223
Joined: Wed Dec 10, 2008 12:58 pm

Re: Homeowners Insurance.

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

+1 Amica
pochax
 
Posts: 984
Joined: Tue Oct 21, 2008 12:40 pm

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.
rixer
 
Posts: 256
Joined: Tue Sep 11, 2012 5:18 pm

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.
User avatar
Boonedog
 
Posts: 18
Joined: Wed Apr 24, 2013 12:12 am

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.)
“Tactics without strategy is the noise before defeat.” - Sun Tzu
"Everybody has a plan until they get punched in the mouth." - Mike Tyson
User avatar
Blues
 
Posts: 1223
Joined: Wed Dec 10, 2008 12:58 pm

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).
Nothing is free, someone pays.
User avatar
mike143
 
Posts: 1188
Joined: Thu Feb 02, 2012 9:55 pm

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.
User avatar
Munir
 
Posts: 1739
Joined: Mon Feb 26, 2007 5:39 pm
Location: Oregon

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.
SamB
 
Posts: 686
Joined: Mon Mar 12, 2007 4:17 pm


Return to Personal Consumer Issues

Who is online

Users browsing this forum: psteinx and 17 guests