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MSeid
LIF Adolescent
Member since 11/05 805 total posts
Name:
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Homeowners Insurance
I just called Statefarm and I feel like their quote was really high. Can someone give me some insight to how much is considered good rate for HO? And what should the basic policy include?
TIA
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Posted 3/1/07 5:10 PM  |
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lorich
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Member since 6/05 9987 total posts
Name:
Grammie says "Lora Gina"
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Re: Homeowners Insurance
Where is the home located? Near the water? Nassau or Suffolk?
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| Posted 3/1/07 5:28 PM |
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MSeid
LIF Adolescent
Member since 11/05 805 total posts
Name:
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Re: Homeowners Insurance
Posted by lorich
Where is the home located? Near the water? Nassau or Suffolk?
Merrick-Old Lindermere Area
Nassau
Not near the water
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| Posted 3/1/07 5:40 PM |
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lorich
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Member since 6/05 9987 total posts
Name:
Grammie says "Lora Gina"
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Re: Homeowners Insurance
Posted by MSeid
Posted by lorich
Where is the home located? Near the water? Nassau or Suffolk?
Merrick-Old Lindermere Area
Nassau
Not near the water
I'm not too familiar with that area, are you below Sunrise?
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| Posted 3/1/07 5:42 PM |
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MSeid
LIF Adolescent
Member since 11/05 805 total posts
Name:
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Re: Homeowners Insurance
Yes South of Sunrise, North of Merrick
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| Posted 3/1/07 5:57 PM |
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lorich
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Member since 6/05 9987 total posts
Name:
Grammie says "Lora Gina"
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Re: Homeowners Insurance
Your premium may be high because you're South of Sunrise. I'm not sure though. You may want to ask the agent if that's the case. Also, FM Smileyd17, she works for State Farm. She could probably help you get the best coverage for your money. I believe she's helped several on here.
I went with Hanover. I'm located in Suffolk, which has been hard to write - thankfully I'm located in the middle of the Island. Many companies are only writing LI on a case by case basis - and if they get the entire acct - including umbrella.
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| Posted 3/1/07 6:01 PM |
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MSeid
LIF Adolescent
Member since 11/05 805 total posts
Name:
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Re: Homeowners Insurance
Posted by lorich
Your premium may be high because you're South of Sunrise. I'm not sure though. You may want to ask the agent if that's the case. Also, FM Smileyd17, she works for State Farm. She could probably help you get the best coverage for your money. I believe she's helped several on here.
I went with Hanover. I'm located in Suffolk, which has been hard to write - thankfully I'm located in the middle of the Island. Many companies are only writing LI on a case by case basis - and if they get the entire acct - including umbrella.
Thanks so much!!
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| Posted 3/1/07 6:07 PM |
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Jacksmommy
My love muffin!
Member since 1/07 5819 total posts
Name:
Liz
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Re: Homeowners Insurance
I just called a bunch of Insurance places and for us, Statefarm was wayyyyyy below everyone else!
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| Posted 3/1/07 6:52 PM |
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MegZee
My bunny
Member since 5/06 8777 total posts
Name:
Meaghan
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Re: Homeowners Insurance
make sure you are giving them the value of the house, not the value of the house and land together. (if i had my appraisal I could look it up).
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| Posted 3/1/07 7:39 PM |
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MSeid
LIF Adolescent
Member since 11/05 805 total posts
Name:
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Re: Homeowners Insurance
Posted by Meaghan729
make sure you are giving them the value of the house, not the value of the house and land together. (if i had my appraisal I could look it up).
good to know...thnx
i gave them the agreed upon price.....they quoted me 158/mth 
Message edited 3/1/2007 7:54:08 PM.
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| Posted 3/1/07 7:52 PM |
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MegZee
My bunny
Member since 5/06 8777 total posts
Name:
Meaghan
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Re: Homeowners Insurance
Posted by MSeid
Posted by Meaghan729
make sure you are giving them the value of the house, not the value of the house and land together. (if i had my appraisal I could look it up).
good to know...thnx
i gave them the agreed upon price.....they quoted me 158/mth
holy crap! they were definitely the cheapest when I was looking in Dec!
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| Posted 3/1/07 7:57 PM |
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MSeid
LIF Adolescent
Member since 11/05 805 total posts
Name:
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Re: Homeowners Insurance
Posted by Meaghan729
Posted by MSeid
Posted by Meaghan729
make sure you are giving them the value of the house, not the value of the house and land together. (if i had my appraisal I could look it up).
good to know...thnx
i gave them the agreed upon price.....they quoted me 158/mth
holy crap! they were definitely the cheapest when I was looking in Dec!
I just looked on my appraisal report. Is the value of the house labeled, "opinion of site value"?
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| Posted 3/1/07 8:07 PM |
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