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NoStressMom
My Heart and Soul
Member since 5/05 11122 total posts
Name:
D
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Who do you have your homeowners Insurance through?
I'm looking for Homeowner Insurance Company's. Who are you using? How much do you pay?
TIA
Denise
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Posted 2/11/09 9:35 AM  |
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Long Island Weddings
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Mrs-D-Girl
Love my fur baby
Member since 8/07 5183 total posts
Name:
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Re: Who do you have your homeowners Insurance through?
Travelers $1600
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| Posted 2/11/09 9:37 AM |
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TreAnt427
-
Member since 8/06 8652 total posts
Name:
Tracy
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Re: Who do you have your homeowners Insurance through?
Utica National
ETA - We pay $1000
Message edited 2/11/2009 9:45:05 AM.
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| Posted 2/11/09 9:44 AM |
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neener1211
:-)
Member since 4/07 22952 total posts
Name:
J
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Re: Who do you have your homeowners Insurance through?
State farm...I think around 1k
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| Posted 2/11/09 9:51 AM |
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RocPin
Life's Beachy <3
Member since 2/08 6765 total posts
Name:
Heather
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Re: Who do you have your homeowners Insurance through?
State Farm
I pay close to $900/year but I have 2 vehicles through them too so I get a discount
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| Posted 2/11/09 9:55 AM |
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mamochk
LIF Toddler
Member since 11/06 379 total posts
Name:
Alison
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Re: Who do you have your homeowners Insurance through?
State Farm.
Just curious... whats your deductible? Ours is currently $1000 but we are thinking up raising it to $2500 or $5k to save some cash. Sorry, don't mean to hijack.
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| Posted 2/11/09 9:55 AM |
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k-diggity
stay classy.......
Member since 6/08 1332 total posts
Name:
: )
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Re: Who do you have your homeowners Insurance through?
Posted by RocPin
State Farm
I pay close to $900/year but I have 2 vehicles through them too so I get a discount
I have the same
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| Posted 2/11/09 10:01 AM |
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Re: Who do you have your homeowners Insurance through?
Switching to state farm - Allstate just canceled us (no fault on our part).
We will be paying about $1,100...
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| Posted 2/11/09 10:20 AM |
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carlowlou
loving my babies!
Member since 4/08 4594 total posts
Name:
Jen
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Re: Who do you have your homeowners Insurance through?
State Farm. about $1100/year
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| Posted 2/11/09 10:39 AM |
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hotelcalie
LIF Adult
Member since 12/05 1392 total posts
Name:
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Re: Who do you have your homeowners Insurance through?
State Farm..about $900 for the year (multi-line discount with car insurance also).
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| Posted 2/11/09 10:51 AM |
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MrsPornStar
Partners in crime
Member since 10/05 14656 total posts
Name:
Mama
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Re: Who do you have your homeowners Insurance through?
State Farm- no idea how much it is.
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| Posted 2/11/09 10:55 AM |
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ladybug7
LIF Infant
Member since 3/06 247 total posts
Name:
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Re: Who do you have your homeowners Insurance through?
Merchants Casualty -$820
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| Posted 2/11/09 10:56 AM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Who do you have your homeowners Insurance through?
Posted by mamochk
State Farm.
Just curious... whats your deductible? Ours is currently $1000 but we are thinking up raising it to $2500 or $5k to save some cash. Sorry, don't mean to hijack.
Not something I suggest. The savings between going up 2500 and 5000, is not significant.
You could call and ask though..to see if worth doing.
Most ppl carry $500 or $1000 and from 500 to $1k you do see savings.
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| Posted 2/11/09 1:19 PM |
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jen919ifer
LIF Adolescent
Member since 7/08 803 total posts
Name:
Jennifer
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Re: Who do you have your homeowners Insurance through?
Just so everyone knows I called state farm yesterday for a quote and they wanted to insure me for 100k less then what i know I should be insured for since I am in the business. The girl told me the policy gives an extra 25% so that would cover me for the difference, and I told her that it's better to have more then be right there with the dwelling coverage cause if the house burns down thats all you get. So she quoted me with what I SHOULD be insured for and their premiums were the same as all the other companies I deal with. they are cheaper cause they underinsure, so make sure you have siginificant coverage ladies !!
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| Posted 2/11/09 1:34 PM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Who do you have your homeowners Insurance through?
Posted by jen919ifer
Just so everyone knows I called state farm yesterday for a quote and they wanted to insure me for 100k less then what i know I should be insured for since I am in the business. The girl told me the policy gives an extra 25% so that would cover me for the difference, and I told her that it's better to have more then be right there with the dwelling coverage cause if the house burns down thats all you get. So she quoted me with what I SHOULD be insured for and their premiums were the same as all the other companies I deal with. they are cheaper cause they underinsure, so make sure you have siginificant coverage ladies !!
How do you know it was underinsured?
To also make a correction, its an additional 20% not 25%.....and that should not be considered as the replacement value, its normally just extra given under a policy.....especially because the replacement value is an "estimated" amt.
As for your business etiquette, its not very good. Being in the business also, I dont go bashing other companies out there, to make me look good.
I just provide the facts of what my company provides.
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| Posted 2/11/09 1:42 PM |
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mamochk
LIF Toddler
Member since 11/06 379 total posts
Name:
Alison
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Re: Who do you have your homeowners Insurance through?
Posted by Smileyd17
Not something I suggest. The savings between going up 2500 and 5000, is not significant.
You could call and ask though..to see if worth doing.
Most ppl carry $500 or $1000 and from 500 to $1k you do see savings.
I'm not going to put in a claim for anything less than double my deductible because they will either drop me or raise my rates.
I can save about $400/yr going to $2500 deductible.
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| Posted 2/11/09 1:42 PM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Who do you have your homeowners Insurance through?
Posted by mamochk
I'm not going to put in a claim for anything less than double my deductible because they will either drop me or raise my rates.
I can save about $400/yr going to $2500 deductible.
good. Like I said, it depends if its worth doing and in this case it is, esp since you dont put claims in
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| Posted 2/11/09 1:44 PM |
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sj-girl
Happy Family of 4
Member since 5/08 5654 total posts
Name:
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Re: Who do you have your homeowners Insurance through?
Allstate $600.00 with a $1000 ded
I Also live in NJ
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| Posted 2/11/09 1:46 PM |
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jen919ifer
LIF Adolescent
Member since 7/08 803 total posts
Name:
Jennifer
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Re: Who do you have your homeowners Insurance through?
Posted by Smileyd17
Posted by jen919ifer
Just so everyone knows I called state farm yesterday for a quote and they wanted to insure me for 100k less then what i know I should be insured for since I am in the business. The girl told me the policy gives an extra 25% so that would cover me for the difference, and I told her that it's better to have more then be right there with the dwelling coverage cause if the house burns down thats all you get. So she quoted me with what I SHOULD be insured for and their premiums were the same as all the other companies I deal with. they are cheaper cause they underinsure, so make sure you have siginificant coverage ladies !!
How do you know it was underinsured?
To also make a correction, its an additional 20% not 25%.....and that should not be considered as the replacement value, its normally just extra given under a policy.....especially because the replacement value is an "estimated" amt.
As for your business etiquette, its not very good. Being in the business also, I dont go bashing other companies out there, to make me look good.
I just provide the facts of what my company provides.
I am hardly bashing I am just telling what happened to me. I know what i should be insured for because I did a cost estimator on the house. The cost to rebuild in is in $220 to $250 per sq foot range, so for my 1590 sq foot house insuring me for 250k is REALLY underinsuring me. I think everyone should be aware of what they SHOULD be insure dfor in case something happens where they need to rebuild their house, and I am disgusted with the fact that this company would insure me for that much less.
Message edited 2/11/2009 1:48:40 PM.
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| Posted 2/11/09 1:48 PM |
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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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Re: Who do you have your homeowners Insurance through?
Traveler's but I dont know the exact amount 
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| Posted 2/11/09 2:25 PM |
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HillW9608
Hello Summer!
Member since 5/08 5916 total posts
Name:
Hill
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Re: Who do you have your homeowners Insurance through?
Nationwide.. 1700$
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| Posted 2/11/09 8:44 PM |
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LadyBug1209
Mommy to FOUR little men!
Member since 8/08 9655 total posts
Name:
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Re: Who do you have your homeowners Insurance through?
Allstate $1100
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| Posted 2/12/09 8:33 AM |
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kristinel
Steinbeck
Member since 5/08 1224 total posts
Name:
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Re: Who do you have your homeowners Insurance through?
MetLife. Not sure how much I pay because we pay both the car and home owner's insurance in the same payment.
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| Posted 2/12/09 8:43 AM |
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LINewbie
Tigger the the Rescue!
Member since 8/08 5647 total posts
Name:
LB
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Re: Who do you have your homeowners Insurance through?
Liberty Mutual - it's in with our car policies so IDK the cost.
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| Posted 2/13/09 10:27 AM |
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Jenn627
Laaaaaaaambert!
Member since 5/08 9818 total posts
Name:
Jenn
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Re: Who do you have your homeowners Insurance through?
Allstate - something like $2K, we're switching to TSE.
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| Posted 2/13/09 10:29 AM |
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