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07-30-2008, 12:10 AM
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Member
Status:
"Reasonable Renovations"
(set 23 days ago)
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Join Date: May 2008
Location: Round Rock TX.
13 posts, read 4,607 times
Reputation: 11
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Auto and home insurance Will I be paying to much.
Hi thanks for looking.
House/land value of 180K built in 95, three sides brick, 4 bed, 3 bath, 2211 sq ft. In Round rock. The quote I got was $535 with ALL the addons for a year.
97 corvette full coverage. $1000 deductible. $819 a year. 37 y/o good driving record.
The house and the car need to be on together to get that rate. Shold I take it. The co. is rated A+ sup.
Thanks,
Paul G.
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07-30-2008, 12:49 AM
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Senior Member
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Join Date: Aug 2007
1,418 posts, read 1,356,590 times
Reputation: 252
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less then 600 per month on home sounds great. I like staying below 600.00 myself on home insurance.
Now on the corvette, it sounds good for the class of the vehicle and smart going w/ 1000 deductible if you are the safe driver. I assume you have uninsured motorist, right? Good way to go as we have lot of uninsured motorists around Austin.
I say its a great price for both things to insure.
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07-30-2008, 02:04 AM
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Member
Status:
"Reasonable Renovations"
(set 23 days ago)
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Join Date: May 2008
Location: Round Rock TX.
13 posts, read 4,607 times
Reputation: 11
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Thanks Mike
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07-30-2008, 02:43 AM
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Senior Member
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Join Date: Aug 2007
1,418 posts, read 1,356,590 times
Reputation: 252
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On auto ins 100/300 is a good!
On the home, that's how lot of insurance agent's write them up by lower value on the home, but increase the personal property value. Its a numbers game. Just make sure what your home is worth and all it's contents inside are covered. Never know if your home gets burned down by a lighting strike or a very bad snow storm 
I like the numbers, but not sure about all those small fee's on the home. |
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07-30-2008, 02:55 AM
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Member
Status:
"Reasonable Renovations"
(set 23 days ago)
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Join Date: May 2008
Location: Round Rock TX.
13 posts, read 4,607 times
Reputation: 11
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I would say the home is worth about 150k and land at about 30k. Things inside will be less than 60k once im moved in. Ill see if I can change around the numbers game.
Im going w/ a broker ill get you the name tonight. Yes central sent the numbers. Thanks and good night.
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07-30-2008, 08:41 AM
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Senior Member
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Join Date: Jun 2006
1,471 posts, read 1,431,687 times
Reputation: 407
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When it comes to homeowners insurance, you need to be sure you can REBUILD the home for the insured amount ($150K). That may be what it's worth, but can it be rebuilt for that amount?
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07-30-2008, 09:00 AM
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Retired Slacker
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Join Date: Aug 2006
Location: Austin, TX
4,249 posts, read 4,737,293 times
Reputation: 725
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Also, make sure your mortgage company is okay with the lower than appraised value coverage, some will not accept it.
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TrainWreck
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The house seams good. Do the limits look good? I do not think im going to get all the house gimic addons. I need to see if thy will takem off. Thanks a lot so far.
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