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07-02-2008, 10:47 PM
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Member
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Join Date: Mar 2008
34 posts, read 29,099 times
Reputation: 13
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Insurance in Harris County
Wht is home owners insurance higher in Harris county?
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07-03-2008, 07:29 AM
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Dad
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Join Date: Aug 2007
Location: Clear Lake
4,901 posts, read 4,256,003 times
Reputation: 1144
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Huh?
Well, my HO is about $1800/yr and flood $300, but I am close to the water. $225k, 2200 sq ft.
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07-03-2008, 09:27 AM
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Not a member
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Join Date: Jun 2008
200 posts, read 165,808 times
Reputation: 58
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$980 for a 200k 2560sqft home in SW Houston.
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10-27-2009, 06:34 AM
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Junior Member
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Join Date: Oct 2009
Reputation: 10
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$1000 for $200k home 2800 sqf, replacement cost with 1% ded for everything with water damage coverage.
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10-27-2009, 06:58 AM
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Senior Member
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Join Date: May 2007
Location: A little suburb of Houston
2,525 posts, read 2,115,450 times
Reputation: 760
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Quote:
Originally Posted by Elainedong
$1000 for $200k home 2800 sqf, replacement cost with 1% ded for everything with water damage coverage.
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Water damage coverage is not the same as flood insurance. You may want to check on that. They are two separate policies. |
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10-27-2009, 07:01 AM
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Senior Member
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Join Date: May 2007
Location: A little suburb of Houston
2,525 posts, read 2,115,450 times
Reputation: 760
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Quote:
Originally Posted by whitegoldens
Wht is home owners insurance higher in Harris county?
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Higher than where? HO insurance is generally higher due to the threat of hurricanes. This is pretty much standard for coastal counties along the Gulf and Florida coasts. Texas does tend to be the highest, though I believe Fl is catching up fast. |
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10-27-2009, 07:41 AM
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Senior Member
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Join Date: Jun 2008
5,572 posts, read 2,729,784 times
Reputation: 7063
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Quote:
Originally Posted by tstone
Huh?
Well, my HO is about $1800/yr and flood $300, but I am close to the water. $225k, 2200 sq ft.
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Hey tstone....get your flood ins bill yet? Got mine yesterday...went from $300 to $1400!!!!!!!!!!!!!!!!!!!! |
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10-27-2009, 07:54 AM
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Dad
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Join Date: Aug 2007
Location: Clear Lake
4,901 posts, read 4,256,003 times
Reputation: 1144
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No we are still high & dry (sorta), out of the flood plain. The surge stopped short about 8 miles away from us. It also never floods when it rains out here, unlike towards El Camino/Bay Area. So it is still 300ish.
However since Ike, the HO insurance went up from 1800 to 2200. Oh yeah but there's a discount in there for not making a claim.  Just gives you a warm & fuzzy feeling inside. At least the plan is extremely comprehensive, unlike some of this utter crap some people in here have been sold. |
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10-27-2009, 07:59 AM
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Senior Member
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Join Date: Jun 2008
5,572 posts, read 2,729,784 times
Reputation: 7063
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Quote:
Originally Posted by tstone
No we are still high & dry (sorta), out of the flood plain. The surge stopped short about 8 miles away from us. It also never floods when it rains out here, unlike towards El Camino/Bay Area. So it is still 300ish.
However since Ike, the HO insurance went up from 1800 to 2200. Oh yeah but there's a discount in there for not making a claim. Just gives you a warm & fuzzy feeling inside. At least the plan is extremely comprehensive, unlike some of this utter crap some people in here have been sold. |
Even tho we're right on the lake, we were never considered in a flood plain.. UNTIL Ike. We still have never flooded, nothing has changed...except the amt. of the bill  . |
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10-27-2009, 12:21 PM
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Real Estate Agent
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Join Date: Dec 2007
Location: Houston
798 posts, read 783,822 times
Reputation: 95
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Homeowner insurance rates are going up.
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