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Old 09-03-2009, 08:53 AM
 
67 posts, read 268,475 times
Reputation: 54

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We are searching for home insurance (and plan to bundle with car).

Can you please recommend your homeowner's insurance?
After IKE how were they with claims?
Did you see increased deductibles after IKE, etc.
What's your approx cost (include your square footage and coverage)?
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Old 09-03-2009, 11:44 AM
 
437 posts, read 1,442,681 times
Reputation: 120
Quote:
Originally Posted by msbiz View Post
We are searching for home insurance (and plan to bundle with car).

Can you please recommend your homeowner's insurance?
After IKE how were they with claims?
Did you see increased deductibles after IKE, etc.
What's your approx cost (include your square footage and coverage)?
Liberty Mutual. Did not have any claims with Ike.
For 1500 sq.ft. home covered for $200k I am a little under $1000. For two cars fully insured I am around $1400 year. We switched from Farmers, the savings were to good.

You know what they say about insurance company, they are all the same until you need to make a claim.

Good Luck!!
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Old 09-03-2009, 12:30 PM
 
Location: Houston, TX (Oak Forest)
4,707 posts, read 11,743,379 times
Reputation: 3784
I also use Liberty Mutual. We pay around $650/year for a 3k sq. ft house (Montgomery County) covered for 250k and then $70/month for full coverage on a mini-van and min coverage on a truck. Haven't ever had a claim so can't say as to that part.
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Old 09-03-2009, 02:38 PM
 
Location: A little suburb of Houston
3,702 posts, read 16,343,372 times
Reputation: 2060
Ditto w/Liberty Mutual. No claims since I bought my house, but did have claims on Auto and renters before. Very pleased w/ the service at that time.
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Old 09-03-2009, 03:25 PM
 
67 posts, read 320,999 times
Reputation: 38
With Gieco for home and car...for $950 pyear for home 200k home ins for 230k and 3 cars for $600 per 6mnths
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Old 09-03-2009, 04:31 PM
 
Location: Wexford PA / Clear Lake TX
8,231 posts, read 27,139,297 times
Reputation: 4513
2,200 sq ft, insured @ 220k, 1% ded, Clear Lake near Ellington Field, was pushing 1,900/yr last time. I didn't claim anything for Ike but I'm expecting it to go to 2,300 next month. The next best quote I could get before Ike was 2,400, which was only one of very few insurers in this area. I'm grandfathered in with my co but they don't write new policies anymore down here.
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Old 09-04-2009, 02:37 PM
 
191 posts, read 685,988 times
Reputation: 147
Quote:
Originally Posted by msbiz View Post
We are searching for home insurance (and plan to bundle with car).

Can you please recommend your homeowner's insurance?
After IKE how were they with claims?
Did you see increased deductibles after IKE, etc.
What's your approx cost (include your square footage and coverage)?
Msbiz, we are in the same situation as you looking for both Homeowners and Car Insurance. I too would like to know how the various insurance companies treated their clients settling IKE claims. You can go on the state of Texas Insurance Board website and see how each company is rated and all.

Here is a link to a resource page on the State of Texas Insurance Website to help with shopping for insurance:
http://www.tdi.state.tx.us/consumer/shopping.html

Last edited by slnt; 09-04-2009 at 02:46 PM..
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Old 09-04-2009, 03:06 PM
 
809 posts, read 3,200,458 times
Reputation: 570
I ready on the citydata Personal Finance board where a couple of people said they saved a lot of money using Amica. I don't know anything about them, but it might be worth getting a quote from them.

I've never had a claim, so I can't comment on my current company.
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Old 09-04-2009, 04:16 PM
 
Location: Houston
202 posts, read 734,168 times
Reputation: 78
Quote:
Originally Posted by AlexTx View Post
I ready on the citydata Personal Finance board where a couple of people said they saved a lot of money using Amica. I don't know anything about them, but it might be worth getting a quote from them.

I've never had a claim, so I can't comment on my current company.
We shopped around quite a bit and found Amica to be the least expensive for the coverage we needed. We're in a 100 yr flood zone and have mandatory flood insurance. We combined our car and home plans and saved more. Plus you get a small dividend check each year. I've filed one car claim and it was so easy and quick. Their local and nationla offices are very helpful - no complaints.
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Old 09-04-2009, 05:30 PM
 
1,270 posts, read 3,781,134 times
Reputation: 963
Amica is fantastic if they will cover you. I have always had them for homeowners and auto insurance until we bought our current 1930's home. Until we completely upgrade the electrical, they won't cover the house. Oh well, they are good!

We have Nationwide and did have a $10k Ike claim last year, so I'm curious what our rate will be when they send out the renewal (any day now!). We were told that Ike claims aren't going to impact the rates, but you know they will make money somehow, so they will just find a way to increase the rates (or decrease the coverage) until that money fills up their coffers.
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