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Old 11-20-2007, 09:06 AM
Location: TUCSON, AZ
5 posts, read 40,534 times
Reputation: 15


So, we just bought a house in Katy this weekend, and called Farmers there to get a qoute. (that is who i have insurance w/ here in Arizona, home, auto and life) The qoute the lady gave me for the house is quadruple the amount here. Is that normal? It's a 2400 sq ft home, built in 92, and she said 2200/year.

Please let me know if this is reasonable? And will I need flood insurance as well?
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Old 11-20-2007, 09:23 AM
Location: Clear Lake
8,068 posts, read 24,685,045 times
Reputation: 4217
You should get flood, it's only about $250-300/yr.

As far as homeowner's, that's higher than mine (Harris county, close to the bay) but you need to know what you're purchasing and what your deductibles are. Otherwise, no one can give you an apples to apples comparison.
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Old 11-20-2007, 10:05 AM
Location: Houston
241 posts, read 1,036,347 times
Reputation: 79
Wow! That does sound pretty high. I just purchased a home that is 1850 sq ft and got coverage for $160,000 from Nationwide for about 850 a year w/ flood insurance.
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Old 11-20-2007, 10:11 AM
1,290 posts, read 4,567,852 times
Reputation: 711
Nationwide has pretty much been beating the crud out of other insurance agencies in the Houston area right now. I think they want to swoop in and pick up a lot of the State Farm, Allstate, and Farmer's business.

Try Nationwide.
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Old 11-21-2007, 10:18 AM
58 posts, read 232,337 times
Reputation: 31
I just bought a 3000 sq ft home (Magnolia) and my insurance is $1K (no flood insurance) with Liberty Mutual. State Farm quote me 40% higher.
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Old 11-21-2007, 10:26 AM
Location: Houston, TX (Oak Forest)
4,224 posts, read 10,385,822 times
Reputation: 3150
That is way too high, you better get more quotes.
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Old 11-27-2007, 05:48 PM
Location: Tennessee Mountains
182 posts, read 574,182 times
Reputation: 161
Should we get flood insurance for a new house in Richmond. We were told it's not a flood zone and not required. It's just south of 1093.

We were required to have it in Florida and were hoping not to need it here.

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Old 11-27-2007, 06:01 PM
Location: Katy
212 posts, read 1,096,480 times
Reputation: 67
your annual home owners insurance annual premium should not equal more than 1% of the value of your home. Keep shopping around, get flood insurance if you in a flood plain. Most of the south end of Katy does not flood, mostly on the northside.
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Old 11-27-2007, 11:10 PM
38 posts, read 153,106 times
Reputation: 21
I live in Seven Meadows. My house is about 3500sqf. I pay about 1300/yr with Electric Insurance. No flood insurance but it is a good idea to get it.
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Old 11-28-2007, 08:22 AM
3,553 posts, read 6,359,136 times
Reputation: 2296
Remember homeowner's insurance is NOT REGULATED by the state. But definitely shop around. We have been with Nationwide for years, cars, home and business and we pay about $1,000 for a $250K house.

OTOH that's 3 1/2 times what we pay for our house in Colorado!

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