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Posted: 7/7/2024 1:23:08 PM EDT
I’ve currently got Safeco but need to start looking around. Paying about 3500 on a 3700sq house in MJ. Who do you all use for homeowners insurance and recommend?
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Posted: 7/7/2024 3:36:04 PM EDT
[#1]
2700 sq ft
Farm Bureau went from $1400/yr last year to $2100/yr this year with only 1 claim in 20 years. A quote from State Farm was $2100. Funny they have the exact same cost. I smell collusion. |
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Posted: 7/7/2024 5:02:45 PM EDT
[#2]
Quote HistoryOriginally Posted By gotigers: 2700 sq ft Farm Bureau went from $1400/yr last year to $2100/yr this year with only 1 claim in 20 years. A quote from State Farm was $2100. Funny they have the exact same cost. I smell collusion. Yeah, I do too. In fact my broker was like “ go ahead and check around”. He was very confident I would find just about the same and so far he’s right. |
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TN, USA
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Posted: 7/7/2024 7:25:22 PM EDT
[#3]
Travelers
No complainants |
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Posted: 7/7/2024 7:25:45 PM EDT
[Last Edit: ishootglocks]
[#4]
I've been with Farm Bureau for years and no complaints. The local agents I have worked with have always been fantastic.
No home owner claims, a few auto claims over the years. Rates have always been in line with or considerably lower than other insurance options. |
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USA
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Posted: 7/7/2024 9:26:16 PM EDT
[#5]
OP, go see an independent insurance agency (one that doesn’t represent a particular company) and have them get you several quotes. Almost always if you combine your homeowners with your vehicles you will get a better rate. But have the agent search out your best options.
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Posted: 7/8/2024 10:20:35 PM EDT
[#6]
Using Erie and paying $1800ish for 2200sft in HV
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Posted: 7/9/2024 4:30:54 AM EDT
[#7]
Quote HistoryOriginally Posted By Amped: Using Erie and paying $1800ish for 2200sft in HV Yeah, my broker has Erie and that’s who I wanted but they were higher than Safeco. Crazy how much this is now |
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Posted: 7/9/2024 8:24:52 AM EDT
[#8]
Quote HistoryOriginally Posted By Soxfan: Yeah, my broker has Erie and that’s who I wanted but they were higher than Safeco. Crazy how much this is now Outch. Insurance has doubled in the last few years all over 
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Posted: 7/9/2024 11:06:02 AM EDT
[#9]
Quote HistoryOriginally Posted By Amped: Outch. Insurance has doubled in the last few years all over National average for home building is up 40% over the last 2 years, but insurance average increases are well over 50%. Typical big business BS. Using cover of national news about inflation (20%-30%) as cover for 50% plus increase. |
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Posted: 7/9/2024 7:17:20 PM EDT
[#10]
Quote HistoryOriginally Posted By gotigers: National average for home building is up 40% over the last 2 years, but insurance average increases are well over 50%. Typical big business BS. Using cover of national news about inflation (20%-30%) as cover for 50% plus increase. I went with USAA. The dropped my auto and homeowners considerably. Time will tell |
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TN, USA
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Posted: 8/18/2024 10:23:25 PM EDT
[#11]
Quote HistoryOriginally Posted By gotigers: National average for home building is up 40% over the last 2 years, but insurance average increases are well over 50%. Typical big business BS. Using cover of national news about inflation (20%-30%) as cover for 50% plus increase. The issue with that logic in this argument is that not only is the expense of paying claims up vs a few years ago, the frequency of claims is also up. You have no doubt noticed the rampant growth in this state. More homes built and autos on the road are changing us from a less densely populated, lower cost market into a more highly suburbanized and higher cost one. |
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Posted: 8/19/2024 7:39:04 AM EDT
[#12]
Quote HistoryOriginally Posted By Rattle-Snap: The issue with that logic in this argument is that not only is the expense of paying claims up vs a few years ago, the frequency of claims is also up. You have no doubt noticed the rampant growth in this state. More homes built and autos on the road are changing us from a less densely populated, lower cost market into a more highly suburbanized and higher cost one. LOL. Is it? 1 bad storm season paying out too much. So, raise rates for eternity. Or Insurance companies have new customers and more cash coming in, so they raise rates. |
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