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kahlua716
3 Girls for Me!
Member since 8/07 12475 total posts
Name:
Keri
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WWYD- Homeowners Insurance
I've gotten several quotes.
I'm trying to decide b/t:
(A)- $880 premium BUT need to install railings on front and back porch before I can buy the policy (homeowner will not do it- so I suppose I'd have to hire someone to go over there within the next week to throw up a few railings)
(B)- $1000 premium- same coverage, they don't care about the railings.
We want to replace the back porch ASAP anyhow- so that's not a big deal, but I wouldn't even think about putting railings up in front...
The cheaper one is with state farm- and they are no longer writing new-but they have mine on file still, so I could still get it at this point...
WWYD?
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Posted 9/15/09 12:19 PM  |
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Prudential Douglas Elliman Real Estate
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mtnmama
Member since 5/06 4794 total posts
Name:
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Re: WWYD- Homeowners Insurance
I'd go with the higher quote-it is less hassle and you said you don't want railings in the front anyway. (unless you are getting a good break from State farm b/c you have other policies with them)
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| Posted 9/15/09 12:24 PM |
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MrsFab
this is bliss.......
Member since 10/08 1234 total posts
Name:
Mb
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Re: WWYD- Homeowners Insurance
I would put the railings up and go with the lower quote- next year the more expensive one may go up again- plus the railings are a good safety measure
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| Posted 9/15/09 12:33 PM |
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neener1211
:-)
Member since 4/07 22952 total posts
Name:
J
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Re: WWYD- Homeowners Insurance
How much will the railings cost?
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| Posted 9/15/09 1:40 PM |
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GoldenRod
10 years on LIF!
Member since 11/06 26792 total posts
Name:
Shawn
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Re: WWYD- Homeowners Insurance
Posted by MrsFab
I would put the railings up and go with the lower quote- next year the more expensive one may go up again- plus the railings are a good safety measure
ITA.
How many steps are there in the front? Any more than 2, and in the winter, with the snow and ice, you really want some sort of rail to hold onto.
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| Posted 9/15/09 1:41 PM |
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Re: WWYD- Homeowners Insurance
I would also go with the lower quote.
When we purchased our home 2 years ago our rate was $800 for the year. Now I pay $1200 for the same company because the rates went up due to being in a hurricane area.
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| Posted 9/15/09 1:45 PM |
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Finally1108
My two boys
Member since 12/08 3541 total posts
Name:
Angela
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Re: WWYD- Homeowners Insurance
We just had to put railing up on our house as well! We did not want to do it, but after a while we realized when it snows we will love the fact that we put railings. Plus we have grandparents that found it really hard to get up the steps w/o the railings.
Not to mention i am an insurance agent, and even if the higher quote does not mind that you do not have railing now, they may ask you in the future to put them up, and then you will be paying an even higher premium (in the future) w/ the railings!
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| Posted 9/15/09 2:03 PM |
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jen919ifer
LIF Adolescent
Member since 7/08 803 total posts
Name:
Jennifer
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Re: WWYD- Homeowners Insurance
Since you are going to redo the back porch eventually I would go with the higher quote then when you redo the back put the railing on front & back and get another quote somewhere else
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| Posted 9/15/09 3:27 PM |
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