Homeowners Insurance

[Mossyoakglock]

Me and the wife are looking at buying our first house soon. We've already met with the lender and gone over financials, now we just have to go take a look at the house.

 

Obviously we are going to need homeowners insurance. With the many choices out there, have you guys found that maybe one is better than the other? Any particular insurance company generally have better rates than others? I'm going to shop around and get quotes but thought I'd ask here first.

 

Thanks guys!

[txab]

Rates are different all over the country. One company may be cheaper in one area than another company. Then they might just flip positions in another area. Just shop around as you were planning. Everyone will have their gripes about a particular company. An independent agent may find you a good policy at a decent rate. If you insure your vehicles along with your house, most, if not all companies offer pretty good discounts

[Shaners]

Like txab said... check with your car insurance carrier. I know I get a discount both ways on both car and home-owners insurance because I bundle them with one company.

[OKLAGMCRUISER]

The policy is known as an umbrella policy for coverage of vehicles and home/property. I have been with AAA for the past few years after leaving Shelter and Allstate due to rising costs.

[dcox27]

The policy is known as an umbrella policy for coverage of vehicles and home/property. I have been with AAA for the past few years after leaving Shelter and Allstate due to rising costs.

 

 

Check with an indepent agent in your area. I am one in Ga. They represent multiple carriers and should advise you about actual coverage needs based on the info you give them about you and your assets/situation.

 

 

An umbrella does cover your home and auto but is excess liability not property coverage. I advise all of my clients to buy an umbrella policy for the added liability protection. You will also get a "package " discount for having your home and auto with the same carrier but that is not always the most cost effective route.

 

A good agent will find you the best value for the coverage needed

[brian964]

There is no company that offers the best deal for every person. You have to get quotes from different companies online and see which companies can provide you with the best price: www.quotes-center.com/home-insurance-calculator

[RyanbabZ71]

I have state farm for the house and vehicles. Having 3 policies I get a pretty nice discount. Never comapred other carriers but overall I am satisified with what I have. Plus my mother in law works in the agents office so it is very convienent if I need anything.

[Wingnut]

If you can get on with USAA, DO IT. When I switched my homeowners over to them from State Farm, it cut my rates in half for better coverage.

 

Now I've got a policy on my house, workshop, 4 cars, and riders for my tools and the wife's wedding ring...All through USAA. They've been great the few times I've had to deal with them for a claim.

[cmackvr6]

I am an Insurance Agent for AAA..... and I have USAA.... enough said.

 

[jwhuber]

Just like what's been said....everyone's got what works best for them depending on what area you live in, etc. I live in Arizona right now and currently have USAA, but just got a quote from State Farm for the same coverage (for two vehicles). Even without adding my homeowners it's already over $30 less/month. I'm going to talk with American Family, whom I was with years ago before living overseas, as well as Allstate. Check out everyone you can and see what they can do.

[Mossyoakglock]

What are the rules for being able to get on with USAA? The only family members that I have that were in the military are both my grandfathers and my wife's grandfather.

[Z45]

I have been with State Farm for years, vehicles, home, business. To me its all about the agent. You can often find a good deal buy when you have problems it can turn into a big pita. Years ago I had auto insurance thru the credit union and what a nightmare when I was in an accident. Never knew what was going on, they rarely would contact me for anything and when I called them it was nothing but bs.

 

Be careful with discount insurance, lots of times they low ball a price to get you as a customer and 6 months down the road the rates start going up. Find a local agent you can trust is the best advice I can offer. Not all agents are the same.

[jwhuber]

What are the rules for being able to get on with USAA? The only family members that I have that were in the military are both my grandfathers and my wife's grandfather.

 

I'm not 100% sure but I believe you would qualify since it's a grandparent. I don't think an uncle or something of the like would count. They have pretty good customer service so give them a call and ask. Overall I'm pretty happy with them.