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home owners insurance

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Lisa68
LIF Infant

Member since 9/05

171 total posts

Name:
Hanisa

home owners insurance

I've been in contract for about a couple of weeks now and just received a call from my mortgage broker that we have been approved but have 1-2 conditions to get the committment letter. One of the conditions is to get homeowner's insurance. This is our first house, so not quite sure of the process, but do I just call up companies and ask for quotes? Who do you recommend and what info do they need to gives us a quote?

TIA.

Posted 9/15/05 2:14 PM
 
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groovypeg
:)

Member since 5/05

2423 total posts

Name:

Re: home owners insurance

call up state farm. we got the best quote from them.

Posted 9/15/05 2:59 PM
 

Lisa68
LIF Infant

Member since 9/05

171 total posts

Name:
Hanisa

Re: home owners insurance

thanks. Do you tell them your ss# and if you have an animal for a quote?

Posted 9/15/05 3:22 PM
 

danielleandscott
My new 71 Super Beetle

Member since 5/05

13476 total posts

Name:
Scott

Re: home owners insurance

We got the best quote through Met Life...Just call them, and tell them you are calling for home owners...They usually will call you back. You will need to know where the closest fire hydrants are.....to the house.

Scott

Posted 9/15/05 3:34 PM
 

MrsDiamondgrlie
Bailey

Member since 5/05

12810 total posts

Name:
D

Re: home owners insurance

Posted by Lisa68

thanks. Do you tell them your ss# and if you have an animal for a quote?




An animal? Chat Icon

Posted 9/15/05 4:11 PM
 

DjPiLL

Member since 5/05

3664 total posts

Name:
Richard

Re: home owners insurance

Posted by MrsDiamondgrlie

Posted by Lisa68

thanks. Do you tell them your ss# and if you have an animal for a quote?




An animal? Chat Icon




Yup they will ask you if you have a dog or any pets. If its on the "vicious list"... they may deny you insurance.

If it was up to me and I had a dog.... I would Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon

Posted 9/15/05 4:12 PM
 

Lisa68
LIF Infant

Member since 9/05

171 total posts

Name:
Hanisa

Re: home owners insurance

Posted by DjPiLL

Posted by MrsDiamondgrlie

Posted by Lisa68

thanks. Do you tell them your ss# and if you have an animal for a quote?




An animal? Chat Icon




Yup they will ask you if you have a dog or any pets. If its on the "vicious list"... they may deny you insurance.

If it was up to me and I had a dog.... I would Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon



I hate to not tell them, but I feel its unfair. My dog is so sweet. I don't think they should not give insurance at all. If they don't cover that portion "if she bites someone", thats fine, but to plainly deny me insurance. Thats not right. IMO

Posted 9/15/05 5:37 PM
 

june262004
But I love the Snow!

Member since 5/05

15379 total posts

Name:
Kristin

Re: home owners insurance

Posted by Lisa68

Posted by DjPiLL

Posted by MrsDiamondgrlie

Posted by Lisa68

thanks. Do you tell them your ss# and if you have an animal for a quote?




An animal? Chat Icon




Yup they will ask you if you have a dog or any pets. If its on the "vicious list"... they may deny you insurance.

If it was up to me and I had a dog.... I would Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon






I hate to not tell them, but I feel its unfair. My dog is so sweet. I don't think they should not give insurance at all. If they don't cover that portion "if she bites someone", thats fine, but to plainly deny me insurance. Thats not right. IMO



What kinda dog is it?

Posted 9/15/05 5:42 PM
 

Lisa68
LIF Infant

Member since 9/05

171 total posts

Name:
Hanisa

Re: home owners insurance

well i got her from the pound, but you can tell she is part pitbull, just not sure what the other part is.

Posted 9/15/05 10:01 PM
 

CathyB

Member since 5/05

19403 total posts

Name:

Re: home owners insurance

Can't you just tell them it's a mixed breed you adopted from the shelter and you don't know the breeds?

Posted 9/15/05 10:03 PM
 

PiyoPika566
talk to the hand

Member since 5/05

1436 total posts

Name:
Stephanie

Re: home owners insurance

Posted by Lisa68

well i got her from the pound, but you can tell she is part pitbull, just not sure what the other part is.



Just tell them she's a lab Chat Icon

Posted 9/15/05 10:05 PM
 

Gertyrae
Peace out Homies!

Member since 5/05

20046 total posts

Name:
Gerty ®

Re: home owners insurance

I have heard stories about them denying, but honestly, have never heard of anyone actually denied. My friend has a Rottie and her insurance company knows and she wasn't denied. I had a Doberman my first marriage and we were never denied either.
I sometimes think that that is like an urban legend type thing.
As far as the insurance, we just called the co. that does our cars and got a combined policy.

Posted 9/15/05 11:18 PM
 

paulandles912
My children are a blessing!

Member since 5/05

2598 total posts

Name:
Leslie

Re: home owners insurance

We Chat Icon

We have a pit bull and were afraid to say anything...

Posted 9/16/05 10:46 AM
 

DjPiLL

Member since 5/05

3664 total posts

Name:
Richard

Re: home owners insurance

Posted by Gertyrae

I have heard stories about them denying, but honestly, have never heard of anyone actually denied.




The reason why I mentioned this was because somebody actually WAS denied on this site. They made a post about it. It might have been on LIW though... they got denied after they said what kind of dog it was.

Posted 9/16/05 11:01 AM
 

Lisa68
LIF Infant

Member since 9/05

171 total posts

Name:
Hanisa

Re: home owners insurance

Thanks for the advice.

I guess my other questions is when you try to get a quote from them, is it just me but I feel funny giving them my social. Do you do this?

And I am planning on saying I do not have a dog. Not to complicate things or get myself really upset with an ins co.

Posted 9/16/05 11:33 AM
 

Lisa68
LIF Infant

Member since 9/05

171 total posts

Name:
Hanisa

Re: home owners insurance

Posted by sarahsmommy

Can't you just tell them it's a mixed breed you adopted from the shelter and you don't know the breeds?



I did tell them she was a mix, but I guess it was too late to them because she said she still is part pit. I am so anti liberty mutual now.

Posted 9/16/05 11:34 AM
 

DjPiLL

Member since 5/05

3664 total posts

Name:
Richard

Re: home owners insurance

Posted by Lisa68

Thanks for the advice.

I guess my other questions is when you try to get a quote from them, is it just me but I feel funny giving them my social. Do you do this?




You have to. They run your credit in a lot of cases. They also run a "prior claims check" and they need your social for that too.

I definitely didnt have an issue with this cause I am an 807 with no past claims. Chat Icon

Message edited 9/16/2005 11:37:19 AM.

Posted 9/16/05 11:37 AM
 

DjPiLL

Member since 5/05

3664 total posts

Name:
Richard

Re: home owners insurance

Posted by Lisa68

I did tell them she was a mix, but I guess it was too late to them because she said she still is part pit. I am so anti liberty mutual now.




Damm... I am glad I dont have a dog because LM gave me the lowest quote and I will probably be going with them.

Posted 9/16/05 11:37 AM
 
 

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