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06-28-2006, 09:48 PM
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Senior Member
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Join Date: Apr 2006
299 posts, read 141,622 times
Reputation: 220
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Quote:
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Originally Posted by cltsig
Jump over to the Florida board for some good insurance stories. TX is the worst, surprisingly followed by OK, LA and then FL. I don't remember NC being top 10 unless you're talking Outer Banks. I called fishing around for rates and average around the Charlotte area is $500ish for full homeowners on a $300k house.
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Is that figure $500/yr correct? I wish I could get that in Johnston County! |
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06-28-2006, 10:09 PM
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Lemon Cake and Pikes Peak Coffee
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Join Date: Jun 2006
Location: Waxhaw,NC, US, North America, Earth, Alpha Quadrant
2,374 posts, read 1,627,051 times
Reputation: 897
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Quote:
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Originally Posted by i'minformed
Homeowners insurance in NC is some of the highest; most likely because after Texas; NC is the most natural-disaster-prone state.
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really? I wouldn't have thought that
i'minformed, are you part of the secret organization men in black?  wait what's the flash?  I just forgot my question 
Well, here's another question- isn't home owners insuruance largely dependent on your credit score (FICO) score? |
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06-28-2006, 10:49 PM
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Senior Member
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Join Date: Jan 2006
5,318 posts, read 6,192,820 times
Reputation: 2463
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Geographic Comparison of Homeowners Insurance
Same coverage and same structure.
Asheville - $459
Charlotte - $487
Fayetteville - $562
Greensboro - $480
Raleigh - $492
Wilmington - $708
Data from the NC Department of Insurance
Last edited by mm34b; 06-28-2006 at 11:10 PM..
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06-29-2006, 05:57 AM
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Senior Member
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Join Date: Jun 2006
1,035 posts, read 739,779 times
Reputation: 205
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Mike - Ins rates are based on alot of things and one is your credit..unforunatetly, bad credit means risk which = higher insurance but there are other factors too...(thanks mm34b - finally got the answer to my question)
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06-29-2006, 07:09 AM
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Scooterista. Owned by 4 Japanese Chins!
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Join Date: Apr 2006
Location: North Carolina
1,435 posts, read 1,465,109 times
Reputation: 1240
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Quote:
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Originally Posted by WenIs02
Mike - Ins rates are based on alot of things and one is your credit..unforunatetly, bad credit means risk which = higher insurance but there are other factors too...(thanks mm34b - finally got the answer to my question)
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Yeahhh, like livestock!  Living in the country, we didn't even think to notify the insurer of our newly purchased home that we had llamas. We had land, a lot of people around us had goats and cows and horses, what would be the problem? I don't know how the insurer found out, but our policy was swiftly cancelled. I guess some Warren Schmidt-type [bonus points for those who can identify the Jack Nicholson movie that reference is from] calculated the odds of one of our boys putting out someone's eye with a well-aimed spit glob and ixnayed our coverage |
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06-29-2006, 07:12 AM
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Senior Member
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Join Date: Jun 2006
1,035 posts, read 739,779 times
Reputation: 205
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Is the movie as Good As it Gets? (
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06-29-2006, 07:12 AM
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Senior Member
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Join Date: Jun 2006
1,035 posts, read 739,779 times
Reputation: 205
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FYI - Livestock is usually excluded from insurance but I assume there are insurance companies that may insure it- for a price-
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06-29-2006, 07:38 AM
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Senior Member
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Join Date: Jan 2006
5,318 posts, read 6,192,820 times
Reputation: 2463
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Quote:
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Originally Posted by silverwing
Yeahhh, like livestock! Living in the country, we didn't even think to notify the insurer of our newly purchased home that we had llamas. We had land, a lot of people around us had goats and cows and horses, what would be the problem? I don't know how the insurer found out, but our policy was swiftly cancelled. I guess some Warren Schmidt-type [bonus points for those who can identify the Jack Nicholson movie that reference is from] calculated the odds of one of our boys putting out someone's eye with a well-aimed spit glob and ixnayed our coverage
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"About Schmidt" (2002) |
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06-29-2006, 06:01 PM
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Senior Member
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Join Date: Apr 2006
299 posts, read 141,622 times
Reputation: 220
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Quote:
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Originally Posted by Miker2069
really? I wouldn't have thought that
i'minformed, are you part of the secret organization men in black? wait what's the flash? I just forgot my question
Well, here's another question- isn't home owners insuruance largely dependent on your credit score (FICO) score? |
As far as credit score goes, absolutely no problem; we own our land and home, no payments, and have never filed a claim on our insurance. |
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