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Due to a ban business investment my wife made (Brought a house and land in Florida right before bust) I'm the only person on the Mortgage and car is in her name. I take it that the mortgage has to be under the same person as the car for it to work correct?
We have a split level home with no mortgage,a $500 deductable,full replacement cost and jewelry rider attached and it is almost $1300. You can increase deductable to $1000 to save a few $$.
Ours is roughly in that ballpark or slightly less. I did some quoting around recently to get it lower and instead of better pricing, each tried to scare tactic me into more (and unnecessary) coverage. I like my agent and the price is competitive. However, even with the discounts, adding cars to it was a net loss so my autos are still with the talking lizard company and home with someone else.
Pointless to talk about price of insurance without knowing how much the policy is for. 1,300 premium is high if you're covering $200k house and is decent if you're covering $400k
Pointless to talk about price of insurance without knowing how much the policy is for. 1,300 premium is high if you're covering $200k house and is decent if you're covering $400k
best I got so far is State Farm.
Quote: $1550
W/auto: $1250
Auto: $2400
w/ Defensive driver: $2200
I'm looking at ~$3500 annum with the defensive driver courses.
$2500 Ded and 300k replacement cost. 5% hurricane Ded. Not in a flood zone. 2 cars 09' and 11', no tickets or accidents, age 26&27.
The reason for the high deductable is I don't plan on making claims for anything less than $2500. I'm assuming that HOI works like auto, where they raise your premium if you make claims even for small stuff?
Either way, I guess I better keep shopping. Should I reach out to small name and local companies too? I don't want to have some natural disaster to hit and have them go belly up...
State Farm was the best deal when I was shopping too.
From what Im hearing tho ya need to shop yearly to keep the price competitive.
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insurance
