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Old 10-04-2012, 06:27 PM
 
4 posts, read 4,586 times
Reputation: 10

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I searched this thread and didn't find anything specific

My home owners insurance went up $300 this year and is now close to $1300!!!
I have a $500 deductible and the dwelling is calculated at $400k.

Anyone else in the same boat with Amica?? Please share.
How much do you pay in Fairfax County?
Any suggestions for another insurance company?

I guess I will have to price shop and raise deductible possibly.

We have only invoked insurance once a few yrs ago for some minor storm damage
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Old 10-04-2012, 07:03 PM
 
Location: Virginia
447 posts, read 1,005,228 times
Reputation: 349
Make sure you are insuring just the value of the house and not the land.
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Old 10-05-2012, 03:06 AM
 
10,606 posts, read 12,154,836 times
Reputation: 6500
I am with USAA and mine went up $200 on my premium that just renewed this month. I was sort of expecting it because my neighbor, with the exact same house, with USAA was showing me her policy a few months ago and I saw that mine was in the $600 range and hers was in the $800 range and we were trying to figure out why. Her policy had just renewed and mine was about to expire. So, I was right about my policy going up. It sure did.
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Old 10-05-2012, 06:18 AM
 
437 posts, read 1,075,789 times
Reputation: 239
That seems high. My house is valued at 375-400k and it's about $600/year (just renewed in August). Deductible is $1k though. It might be time to shop around.
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Old 10-05-2012, 07:18 AM
 
84 posts, read 195,277 times
Reputation: 40
wow, you guys are paying a lot. Our home is valued at 550K and we pay $500 a year. Deductible is 1K, my renewal is due in a a few months though...
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Old 10-05-2012, 08:31 AM
 
15 posts, read 40,958 times
Reputation: 35
Guys,

Shop around for other quotes. Insurance companies always give new customers a more competitive rate than existing customers. This is an industry that rewards those that move around. Most people don't reshop their insurance every 2 years.
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Old 10-05-2012, 08:44 AM
 
Location: Northern VA
512 posts, read 634,489 times
Reputation: 621
My home is valued at 575k and my USAA policy is $620/yr with 1k deductible after all the policy discounts. Without the discounts it shows as $1,860/yr.
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Old 10-05-2012, 10:08 AM
 
4 posts, read 4,586 times
Reputation: 10
Thanks all of you.

The $1k deductible, shopping around is a good idea.

Any suggestions for what policy discounts we can get beyond:
deadbolts,
fire alarm
sprinklers

Not sure we want a security system but may consider.

We asked about alumni discounts, don't exist.
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Old 10-05-2012, 10:53 AM
 
882 posts, read 1,782,637 times
Reputation: 592
The $1K deductable is pretty much SOP, but even @ $500 that's an insane figure. I'd be shopping ASAP!
Good luck!
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Old 10-05-2012, 10:55 AM
 
Location: Censorshipville...
2,725 posts, read 6,273,961 times
Reputation: 1590
You can usually get a multi-line if you have a vehicle with them as well. I have State Farm and 2012 rate was lower than 2011. I don't remember if 2013 went up or down. You've piqued my curiosity so I'll have to look it up when I get home.
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