Home and Auto Home Owners Insurance - Page 3

jiveturkey · 10-07-2011, 01:50 PM

Does anyone have any good recommendations for home owners insurance?

I use USAA for our cars but they're $1000 a year more than our current insurance on the home side. It's still something I'm willing to consider though. We've been with the cheapest for a while (SafeCo) and I'm slowly realizing that cheap isn't the way to go.

Mojo Rising · 10-08-2011, 07:55 PM

Quote:

Originally Posted by Earthling

Did your rates go up after the claims? Just curious as I had $750 damage to a neighbors yard/small trees/ irrigation pump earlier this year. Our deductible was $500 so I figured that instead of making a claim and saving $250 I just paid out of pocket to keep our policy un-marred by any claims.

Don't know yet, policy comes due in February. One thing I read recently that was very timely is that when you impound your HOI you are usually not aware that they raise your rates. The notice is sent to your mortgage servicer and you pay a little more each month and aren't sure why. It is on my calendar to call and inquire in January.

markd2000 · 10-08-2011, 10:28 PM

Do yourselves a big favor and ask for a rate quote from Electric Insurance Co, owned by GE. If you combine with auto, rates are very competitive and service is top notch. When I mention EIC to insurance brokers who try to sell me, their response is oh... Quoted a car for my daughter on Allstate and their quote was double EIC's. Good luck.

**hometeam** · 10-08-2011, 10:57 PM

I use Missouri Farm Bureau, I would think that kfb would be along the same lines.

I am paying about half of the next closest bid, which was state farm.

10-07-2011, 01:50 PM
jiveturkey Captain Kick Ass Join Date: Sep 2001 Location: Kansas Casino cash: $9305197	Home Owners Insurance Does anyone have any good recommendations for home owners insurance? I use USAA for our cars but they're $1000 a year more than our current insurance on the home side. It's still something I'm willing to consider though. We've been with the cheapest for a while (SafeCo) and I'm slowly realizing that cheap isn't the way to go.
Posts: 5,781

10-08-2011, 10:28 PM	#32
markd2000 Starter Join Date: Dec 2004 Casino cash: $10005342	Do yourselves a big favor and ask for a rate quote from Electric Insurance Co, owned by GE. If you combine with auto, rates are very competitive and service is top notch. When I mention EIC to insurance brokers who try to sell me, their response is oh... Quoted a car for my daughter on Allstate and their quote was double EIC's. Good luck.
Posts: 56

10-08-2011, 10:57 PM	#33
hometeam Supporter Join Date: Jul 2011 Casino cash: $3751956	I use Missouri Farm Bureau, I would think that kfb would be along the same lines. I am paying about half of the next closest bid, which was state farm.
Posts: 10,651