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Old 09-09-2010, 12:56 PM
 
377 posts, read 1,266,375 times
Reputation: 218

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I am planning shopping around for a home owners Insurance and trying to see what my fellow houstonians (and houstonian's n'bors) are doing. Mainly, question like

1)who is the Provider ?
2)How much you pay yearly ?
3)If you had a claim during IKE, did they handle it satisfactorily ?
4)What is your deductible ? you have one deductible for all or a different deductible for hurricane ?
5)Assuming its an HOB (or HO3) , did you take extra endorsement for Mold/Foundation/Termite/etc ?
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Old 09-09-2010, 01:01 PM
 
Location: Pearland, TX
3,333 posts, read 8,471,747 times
Reputation: 2329
Quote:
Originally Posted by wheretogo View Post
I am planning shopping around for a home owners Insurance and trying to see what my fellow houstonians (and houstonian's n'bors) are doing. Mainly, question like

1)who is the Provider ?
2)How much you pay yearly ?
3)If you had a claim during IKE, did they handle it satisfactorily ?
4)What is your deductible ? you have one deductible for all or a different deductible for hurricane ?
5)Assuming its an HOB (or HO3) , did you take extra endorsement for Mold/Foundation/Termite/etc ?
Why would you assume folks will give you all this nunnayerbidness info?

Except for #1 (Allstate) and #3 (which, BTW, doesn't apply to me), I don't think I'd answer any of those. Secondly, the answers you DO get are going to be all over the frickin' map because of how HUGE Houston is land-mass-wise.

Just wonderin'..
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Old 09-09-2010, 01:17 PM
 
809 posts, read 3,343,250 times
Reputation: 572
Generally your deductible is 1% of the replacement cost of the house.
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Old 09-09-2010, 03:11 PM
 
Location: Houston, TX (Bellaire)
4,900 posts, read 12,548,975 times
Reputation: 4169
Liberty Mutual, 2%, $750/yr
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Old 09-09-2010, 03:56 PM
 
958 posts, read 2,339,432 times
Reputation: 827
1) State Auto
3) N/A
1% normal claim, 2% named storm
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Old Today, 08:29 AM
 
1,735 posts, read 556,153 times
Reputation: 1009
I am in Richmond,Ford Bend county,with Statefarm.
I have both auto and homeowner with them,just got my new invoice ,from $1973.74 to $1997.79.
I expect choppy weather in coming years,so find a good well capitalised insurance co with good customer service and deep pocket !
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