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ARIELSMOM
Love my Babes
Member since 8/05 5889 total posts
Name:
MEREDITH
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Homeowners INsurance??
Ok- its time for us to get some.
How much does everyone pay monthly and what company do you use? more terms for me to learn...
Thans so much!!
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Posted 4/5/06 12:40 PM  |
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capricorn75
J-E-T-S
Member since 5/05 1645 total posts
Name:
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Re: Homeowners INsurance??
We pay it with our mortgage and we use the same company that we use for car insurance and health insurance. You'll probably get discounts if you use the same insurance company for more than one thing.
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| Posted 4/5/06 12:44 PM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Homeowners INsurance??
State Farm.
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| Posted 4/5/06 12:58 PM |
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Tah-wee-ZAH
Kisses
Member since 5/05 15952 total posts
Name:
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Re: Homeowners INsurance??
We had everything with State Farm but DH actually got a quote from the Herschfeld Agency (I think in Huntington) which IL's have used for years. They came in over $350 cheaper for an umbrella policy that includes home and cars. Not sure of the name of the actual insurer as we just received the paperwork yesterday.
Definitely shop around and inquire about discounts.
For example, if you have a fire hydrant within a certain amount of feet from your property you get a discount.
Message edited 4/5/2006 1:16:43 PM.
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| Posted 4/5/06 1:16 PM |
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Re: Homeowners INsurance??
Ours is about $570 a year through Met Life. I called all over and that was the best price. You will be asked for lots of details about your house, like its age, circuit breakers or fuse boxes, proximity to fire hydrant, etc.
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| Posted 4/5/06 1:18 PM |
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ARIELSMOM
Love my Babes
Member since 8/05 5889 total posts
Name:
MEREDITH
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Re: Homeowners INsurance??
thanks everyone.
I have been getting really high quotes compared to some here. i wonder why?
Esurnance gave me one of 2500 yesterday 
Metlife said 1800. Anotherone just said 1200.
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| Posted 4/5/06 1:26 PM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Homeowners INsurance??
We pay $1100/yr for a 4 bedroom house in bethpage.
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| Posted 4/5/06 1:28 PM |
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Re: Homeowners INsurance??
Posted by ARIELSMOM
thanks everyone.
I have been getting really high quotes compared to some here. i wonder why?
Esurnance gave me one of 2500 yesterday
Metlife said 1800. Anotherone just said 1200.
I got a huge quote from one company because I thought we had fuse boxes instead of circuit breakers (or maybe it was the other way around? I don't remember).
It could be any number of factors- I think I also heard that older houses are more expensive than newer houses.
Maybe post on Businesses Helping Families, maybe they can break down the specifics for you?
ETA- I also live in Putnam county, not on LI. I don't know if it's a little less up here.
Message edited 4/5/2006 2:09:21 PM.
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| Posted 4/5/06 2:08 PM |
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LSP2005
Bunny kisses are so cute!
Member since 5/05 19461 total posts
Name:
L
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Re: Homeowners INsurance??
We use statefarm and they charge us $330 for the year. Our home is less than 10 years old, 1450 SQ ft and has an alarm. We are in NJ so that might make a difference.
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| Posted 4/5/06 2:14 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 MrsProfessor
Posted by ARIELSMOM
thanks everyone.
I have been getting really high quotes compared to some here. i wonder why?
Esurnance gave me one of 2500 yesterday
Metlife said 1800. Anotherone just said 1200.
I got a huge quote from one company because I thought we had fuse boxes instead of circuit breakers (or maybe it was the other way around? I don't remember).
It could be any number of factors- I think I also heard that older houses are more expensive than newer houses.
Maybe post on Businesses Helping Families, maybe they can break down the specifics for you?
ETA- I also live in Putnam county, not on LI. I don't know if it's a little less up here.
Location is definitely going to play a BIG role in rating a policy.
Rating info (such as what was posted above), limits and forms (which HO form) the companies are quoting will make a big difference too.
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| Posted 4/5/06 4:16 PM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: Homeowners INsurance??
Also if you have an underground oil tank that affects pricing-we do and our quotes have all been over 1200.
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| Posted 4/5/06 4:37 PM |
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CathyB
Member since 5/05 19403 total posts
Name:
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Re: Homeowners INsurance??
We have liberty mutual. I forget what we pay DH takes care of it.
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| Posted 4/5/06 4:40 PM |
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2Pisces
Life Coach
Member since 2/06 3337 total posts
Name:
Paige
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Re: Homeowners INsurance??
MetLife...$875 per year.
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| Posted 4/5/06 5:27 PM |
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hazeleyes33
LIF Adult
Member since 5/05 13060 total posts
Name:
Ginger
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Re: Homeowners INsurance??
We pay $665/yr.-3 bedroom ranch
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| Posted 4/5/06 7:17 PM |
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csorisi
My 2 LOVES
Member since 11/05 1984 total posts
Name:
Corinne
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Re: Homeowners INsurance??
I went with AG Edwards in Sayville & for house, car, umbrella & ring protection it was 3300. I got a really high quote from geico when I asked & we had our car insurance with them. If the company doesn't underwrite it directly it will be a lot more if they do then it is cheaper. Our two cheapest quotes were who we went with which is Kemper & State Farm. We got the max coverage on everything.
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| Posted 4/5/06 11:03 PM |
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dengal
Dad of Twins
Member since 5/05 1385 total posts
Name:
The 80's Man
Let's Go Mets!
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Re: Homeowners INsurance??
About $800/year through Allstate. We have a 4 bedroom victorian.
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| Posted 4/6/06 12:30 AM |
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Myrockette
~*~*~*~*~*~*~
Member since 5/05 5632 total posts
Name:
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Re: Homeowners INsurance??
$750/yr. w/Allstate.
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| Posted 4/6/06 8:07 AM |
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ODonnell
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Member since 9/05 5983 total posts
Name:
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Re: Homeowners INsurance??
I don't know what decides the premium, but I was really surprised at how high our quotes were when we were shopping around last year. MetLife (who I am supposed to get a discount with through work) was $2,000. I eventually went with our auto insurer, Travellers and it was $1,500. I have since switched to Liberty Mutual. Their homeowners was the same but their auto was almost $1,000 less than what we were paying with Travellers. State Farm gave us the lowest quote, but they low-balled us on the replacement value of our home.
We have a 3-bed colonial from the early 1900's. We are close to the water, but not in a flood zone, we have brand new electric and the firehouse is right around the corner, so I can't figure out why we pay pay so much.
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| Posted 4/6/06 8:31 AM |
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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 ODonnell
We have a 3-bed colonial from the early 1900's. We are close to the water, but not in a flood zone, we have brand new electric and the firehouse is right around the corner, so I can't figure out why we pay pay so much.
If you're close to the water wind will play a factor too. How close? Even though you may not be in a flood zone depending upon how many miles you are will be a factor. The age of the house will be a factor too. Are there any other updates besides electric? (That's a huge bonus there that the electric has been updated recently.)
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| Posted 4/6/06 9:17 AM |
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ODonnell
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Member since 9/05 5983 total posts
Name:
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Re: Homeowners INsurance??
Posted by lorich
Posted by ODonnell
We have a 3-bed colonial from the early 1900's. We are close to the water, but not in a flood zone, we have brand new electric and the firehouse is right around the corner, so I can't figure out why we pay pay so much.
If you're close to the water wind will play a factor too. How close? Even though you may not be in a flood zone depending upon how many miles you are will be a factor. The age of the house will be a factor too. Are there any other updates besides electric? (That's a huge bonus there that the electric has been updated recently.)
We are South of Montauk but probably a mile from the beach. We do have a couple of canals either side of our house. The whole house has been updated, heating, central air, windows, etc.. I think it's the age of the house more than anything.
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| Posted 4/6/06 9:46 AM |
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LIMOMx2
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Member since 5/05 24989 total posts
Name:
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Re: Homeowners INsurance??
We have a lot of coverage and my jewelry is on the policy too and it is $1580 a year.
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| Posted 4/6/06 3:38 PM |
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jandt2006
LIF Adult
Member since 8/05 1338 total posts
Name:
Teresa
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Re: Homeowners INsurance??
Posted by sarahsmommy
We have liberty mutual. I forget what we pay DH takes care of it.
liberty mutual here too, i believe about 650 a year
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| Posted 4/6/06 9:59 PM |
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