Homeowners Ins (Charlotte: homeowners insurance, home, safe area)

[Weis02]

We have discussed auto ins comparisons, I was curious about HO ins...I live on L.I...(if everybody doesn't already know) My home is about 2000-2500 sq feet, 4 bed 2-bath...I do a get discount since I use same carrier for auto, I do have some jewelery riders but I pay about $1250 p/year...

[I'minformed2]

Homeowners insurance in NC is some of the highest; most likely because after Texas; NC is the most natural-disaster-prone state.

[angelaf]

Originally Posted by i'minformed

...after Texas; NC is the most natural-disaster-prone state.

Can you give us your source for this please?

[bundydad]

Originally Posted by angelaf

Can you give us your source for this please?

I suspect that i'minformed is still getting over a high school sweetheart that dumped him years ago

[I'minformed2]

I married my highschool sweetheart. Going on 21 years now.

[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.

[Weis02]

I would assume give the earthquakes in the west and the coastal areas of Fl and LA, NC is not a high disater state...in fact, a lot of companies move their data centers to NC because it IS NOT a high area for disaster....and that is a fact!

[I'minformed2]

and you wanted a link? Here: http://dwb.newsobserver.com/news/ncw...-9394849c.html

To quote that article;

Southeast coastal states - from Texas across to Virginia - are most prone to billion-dollar disasters, according to the National Weather Service. Florida, North Carolina, Georgia and Alabama have averaged nearly one major natural disaster a year for the past 25 years - highest in the country.

I'm not out to get NC, it's just a fact; chill out.

[Weis02]

I;m informed, I do not doubt what the weather service says nor do I think you are out to get NC...I just know a lot of tech companies and many infact, have date center in NC as they are safe areas...understand when a company stores data via computer, they usually have several Off Site areas that keep data in the event a disaster hits...The company my husband use to work for kept theirs at the WTC - natural disasters are not the only things companies worry about..many NY co's have data centers in NJ...most, have several.

[mm34b]

The Most Expensive States To Insure Your Home (2005)

1. TX
2. LA
3. OK
4. FL
5. DC
6. KS
7. MS
8. AK
9. NY
10. CO

Data from the National Association of Insurance Commissioners (NAIC)