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Old 06-01-2009, 01:20 PM
 
Location: Springfield,MO
25 posts, read 35,543 times
Reputation: 60

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My husband and I are buying a home in Republic, MO. Our credit is not so good and we are having a terrible time finding affordable homeowners insurance. We have never filed any kind of insurance claim ever, yet we are getting quotes back of 2,000.00 for 130,000 in coverage all due to our credit. Does anyone know of a local insurer who might not weigh credit so heavily. Any ideas, referrals, or help would be greatly appreciated.:
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Old 06-01-2009, 10:00 PM
 
Location: Reeds Spring, MO
971 posts, read 948,550 times
Reputation: 445
Try State Farm in Nixa. I have great coverage and my credit is not so good. David Dupree is his name.

Last edited by ShadowCaver; 06-01-2009 at 11:10 PM..
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Old 06-02-2009, 05:10 PM
 
12 posts, read 18,659 times
Reputation: 18
I'm glad you brought this up. It caused me to get a comparable quote for property in Missouri vs. our property here in California. We pay $504 here annually, and the quote I received for MO was $1150... more than double. Must be the weather and all the resultant claims.
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Old 06-03-2009, 11:38 PM
 
Location: Table Rock Lake near Branson, Missouri
192 posts, read 525,418 times
Reputation: 179
Yes, all the claims (because of the weather) that have taken place in the past couple years is the reason for the higher homeowners insurance rates. I learned this from our agent when we got insurance a month ago. We moved to the area from South Dakota, and though property taxes are much less here in Missouri, homeowners insurance is much higher!!
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Old 06-11-2009, 05:43 PM
 
41 posts, read 114,777 times
Reputation: 38
Try "Missouri Farm Bureau" I switched to them May 1st and saved $300.00 over my previous insurer American Family, have $200.000 coverage for $498.00 a year.

Shortly after changing, we received over $25,000 in storm damage, Missouri Farm Bureau came out, was very good about covering all the damage. NOW, I'll see what they charge me next year.
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Old 06-11-2009, 09:09 PM
 
Location: Not where you ever lived
10,866 posts, read 15,291,434 times
Reputation: 5393
Default I understand

Quote:
Originally Posted by unplugthephone View Post
I'm glad you brought this up. It caused me to get a comparable quote for property in Missouri vs. our property here in California. We pay $504 here annually, and the quote I received for MO was $1150... more than double. Must be the weather and all the resultant claims.
California insurance agencies are not allowed to "charge for dirt". Mu daughter is in the business. Most of the midwestern states do. You are forced to pay for full replacement whether you want it or not. Thus we "pay for dirt". Your house is probably worth 10x more than mine and my insurance is $720 annually
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Old 06-11-2009, 09:15 PM
 
Location: Not where you ever lived
10,866 posts, read 15,291,434 times
Reputation: 5393
Default Look Here

Quote:
Originally Posted by victoria1016 View Post
My husband and I are buying a home in Republic, MO. Our credit is not so good and we are having a terrible time finding affordable homeowners insurance. We have never filed any kind of insurance claim ever, yet we are getting quotes back of 2,000.00 for 130,000 in coverage all due to our credit. Does anyone know of a local insurer who might not weigh credit so heavily. Any ideas, referrals, or help would be greatly appreciated.:
Insurance companies do no rate the house. They rate your credit. If you do not have good credit, you will have a problem finding someone who will insure you and your insurance will be high. These companies are terrified they will insure someone poor who torches the house for the money. Its dumb, but it is a nationwide mentality.

As far as I know you cannot buy a house without pre-paying one year insurance. If you are buying on contract, rather than a regular loan, that too may be a problem. On the other hand you may be able to buy the same house through Rural Development if it is in worthy condition.
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Old 06-16-2009, 09:11 AM
 
95 posts, read 292,347 times
Reputation: 93
Quote:
Originally Posted by JDGreen View Post
Try "Missouri Farm Bureau" I switched to them May 1st and saved $300.00 over my previous insurer American Family, have $200.000 coverage for $498.00 a year.

Shortly after changing, we received over $25,000 in storm damage, Missouri Farm Bureau came out, was very good about covering all the damage. NOW, I'll see what they charge me next year.
After reading this post I called Missouri Farm Bureau and switching to them will save us $190.00 a year. Thanks for the info. Bye bye Allstate!
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Old 10-01-2009, 11:31 PM
 
7 posts, read 27,978 times
Reputation: 12
Unhappy Did you find homeowners insurance?

Hi. We have recently bought a small home in the Lake Ozarks area and had insurance for 6 months and paid all premiums on time. Then the company canceled us because we put in a woodstove for heat! Our insurance will be gone soon and we must keep the house insured or lose it. We have the same credit problem and wondered if you found a decent carrier yet?? Anyone got any ideas?
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Old 11-11-2009, 12:51 PM
 
33 posts, read 48,987 times
Reputation: 23
Quote:
Originally Posted by MissouriOrBust! View Post
Hi. We have recently bought a small home in the Lake Ozarks area and had insurance for 6 months and paid all premiums on time. Then the company canceled us because we put in a woodstove for heat! Our insurance will be gone soon and we must keep the house insured or lose it. We have the same credit problem and wondered if you found a decent carrier yet?? Anyone got any ideas?
I had no idea that the insurance could cancel your policy over adding a woodstove. Sorry to read this...hopefully you can find coverage soon.
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