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Unread 12-05-2008, 04:12 PM
 
127 posts, read 200,671 times
Reputation: 22
Default East Coast/West Coast

Is home owners insurance cheaper on the east, or west coast?
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Unread 12-06-2008, 05:01 AM
 
Location: Hernando County, FL
8,491 posts, read 10,318,566 times
Reputation: 5397
It all depends on which area of each coast.
There is no constant.

I am 4.5 miles from the gulf and my insurance is under $800.
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Unread 03-23-2009, 04:25 PM
 
127 posts, read 200,671 times
Reputation: 22
Anyone else have any input....i.e.......
Where do you live and how much is your taxes and insurance.
Thanks.
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Unread 03-23-2009, 05:00 PM
 
Location: Jersey Shore
824 posts, read 1,387,871 times
Reputation: 279
I believe you have to know the assessed value of the home for taxes and what the replacement value is on the policy in order to make comparisons.

My assessed value is $390K I pay $4800/year in taxes
The replacement cost is about the same $390K I pay $3K for homeowners. I live in Sarasota. When I first moved here in 2005 I was paying $1200 for homeowners.

Last edited by dmccauley; 03-23-2009 at 05:13 PM..
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Unread 03-23-2009, 05:17 PM
 
Location: where my heart is
5,643 posts, read 3,662,159 times
Reputation: 1661
Default Comparable to ours

Quote:
Originally Posted by dmccauley View Post
I believe you have to know the assessed value of the home for taxes and what the replacement value is on the policy in order to make comparisons.

My assessed value is $390K I pay $4800/year in taxes
The replacement cost is about the same $390K I pay $3K for homeowners. I live in Sarasota. When I first moved here in 2005 I was paying $1200 for homeowners.
We are assessed at $375,00, pay $4,500 in taxes, and homeowners is $3K and change. Same coast but farther south.
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Unread 03-23-2009, 05:26 PM
 
Location: Hernando County, FL
8,491 posts, read 10,318,566 times
Reputation: 5397
My replacement value is $359,100 and I now pay $1051.
When I first posted in this thread they had replacement at $335,000 and was at $800.

I was with Citizens but now am not.
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Unread 03-23-2009, 05:37 PM
 
Location: Jersey Shore
824 posts, read 1,387,871 times
Reputation: 279
Quote:
Originally Posted by Mike Peterson View Post
My replacement value is $359,100 and I now pay $1051.
When I first posted in this thread they had replacement at $335,000 and was at $800.

I was with Citizens but now am not.
I know I should shop around but I am so afraid that if I took on a new company they may decide to drop me after 1 year. I heard this happened to a couple of people.
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Unread 03-23-2009, 06:09 PM
 
Location: Hernando County, FL
8,491 posts, read 10,318,566 times
Reputation: 5397
Age of the home has alot to do with it. My home is a 2005.
I wouldn't worry about getting dropped for shopping around, that is how I got my current agent.
State Farm offered me somewhere around $4500 for the same coverage I got for $1200, this dropped to the $800 and I got a refund check.
Citizens is farming out alot of thier policies and I am now with someone else for the $1051.
I didn't have the time to shop around and thought it was a decent rate anyway.
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Unread 03-23-2009, 08:35 PM
 
Location: P.cola-FL
12 posts, read 13,377 times
Reputation: 14
nice subject sorry everyone just i want to write something out!
i miss Rap music Tupac shakur from West Coast & Notorious B.I.G from East Coast

and East cheaper than West
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Unread 09-19-2011, 06:20 PM
 
Location: Cleveland
5 posts, read 11,348 times
Reputation: 10
Quote:
Originally Posted by fossy View Post
nice subject sorry everyone just i want to write something out!
i miss Rap music Tupac shakur from West Coast & Notorious B.I.G from East Coast

and East cheaper than West

HILARIOUS!!!

East coast cheaper than West? really? like what cities are you compairing? Daytona Vs Sanibel?
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