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Old 07-18-2007, 10:20 PM
 
62 posts, read 1,072,500 times
Reputation: 178
Default Whats an average price for house insurance?

I've seen it mentioned, but what would you be looking to spend yearly on insurance for say a $300,000 house?
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Old 07-20-2007, 06:46 AM
 
Location: Lake Mary
307 posts, read 1,560,269 times
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it depends on which city, but around 1600? and that's of course not being in a flood zone or on the beach
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Old 07-20-2007, 06:50 AM
 
Location: Winter Park, FL
88 posts, read 682,826 times
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Please Teacher, please Teacher, that has to be tautological!

Quote:
Originally Posted by rholborn View Post
it depends on which city, but around 1600? and that's of course not being in a flood zone or on the beach
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Old 07-20-2007, 07:17 AM
 
Location: NW Orlando
1,722 posts, read 2,439,241 times
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Quote:
Originally Posted by doogie88 View Post
I've seen it mentioned, but what would you be looking to spend yearly on insurance for say a $300,000 house?
Yeah...the insurance really varies based on any number of factors. It depends on where the house is located, how old the roof is, square footage etc. For example, I have a small 2br/1ba house built in 1961 and my homeowners insurance is around $700/year with Nationwide. I wanted State Farm since they have my car insurance but they were too expensive.
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Old 07-20-2007, 11:12 AM
 
62 posts, read 1,072,500 times
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Okay, not as bad as I thought.
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Old 08-02-2009, 08:54 AM
 
Location: Taylors, SC
8,409 posts, read 13,452,051 times
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1600 sq ft house, $180K = $550/yr. I have Olympus Insurance and that's the reason I changed to them. They saved me about $350/yr with more coverage.
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Old 08-02-2009, 12:06 PM
 
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Quote:
Originally Posted by beckycat View Post
1600 sq ft house, $180K = $550/yr. I have Olympus Insurance and that's the reason I changed to them. They saved me about $350/yr with more coverage.

I'm curious. What is your deductible? $250? $1000?

I haven't own a house yet. Just want to see how low I can get for insurance.
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Old 08-03-2009, 04:43 AM
 
22,119 posts, read 28,863,300 times
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It depends on so many factors:

Age of home
Overall construction of home
Hurricane mitigation in the roof
distance to fire department
distance to closest fire hydrant
Distance to coast
Crime rates in neighborhood
your credit score
Previous claims you've had
The deductible you choose

We use Chubb. They are expensive, but we needed some special contents coverage that nobody else writes in the US, so we didn't have a lot of choice. The good part is that they are consistantly rated #1 for paying claims without haggle. They also don't overexpose themselves in any one given area, so they aren't at risk of going under when half the state is flattened by a hurricane like so many did back in 2004.

Keep in mind that with insurance, cheapest often isn't best.
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Old 09-29-2009, 01:45 PM
 
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what is the average cost
for house insurance per month
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Old 09-29-2009, 01:53 PM
 
22,119 posts, read 28,863,300 times
Reputation: 9890
Quote:
Originally Posted by kelsei View Post
what is the average cost
for house insurance per month
It depends on so many factors:

Age of home
Overall construction of home
Hurricane mitigation in the roof
distance to fire department
distance to closest fire hydrant
Distance to coast
Crime rates in neighborhood
your credit score
Previous claims you've had
The deductible you choose
the types of pets you have

Keep in mind that with insurance, cheapest often isn't best.
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