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Old 07-02-2008, 10:47 PM
 
34 posts, read 120,704 times
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Wht is home owners insurance higher in Harris county?
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Old 07-03-2008, 07:29 AM
 
Location: Clear Lake TX
8,280 posts, read 27,516,240 times
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Huh?

Well, my HO is about $1800/yr and flood $300, but I am close to the water. $225k, 2200 sq ft.
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Old 07-03-2008, 09:27 AM
 
200 posts, read 985,017 times
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$980 for a 200k 2560sqft home in SW Houston.
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Old 10-27-2009, 06:34 AM
 
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$1000 for $200k home 2800 sqf, replacement cost with 1% ded for everything with water damage coverage.
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Old 10-27-2009, 06:58 AM
 
Location: A little suburb of Houston
3,702 posts, read 16,558,486 times
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Quote:
Originally Posted by Elainedong View Post
$1000 for $200k home 2800 sqf, replacement cost with 1% ded for everything with water damage coverage.
Water damage coverage is not the same as flood insurance. You may want to check on that. They are two separate policies.
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Old 10-27-2009, 07:01 AM
 
Location: A little suburb of Houston
3,702 posts, read 16,558,486 times
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Quote:
Originally Posted by whitegoldens View Post
Wht is home owners insurance higher in Harris county?
Higher than where? HO insurance is generally higher due to the threat of hurricanes. This is pretty much standard for coastal counties along the Gulf and Florida coasts. Texas does tend to be the highest, though I believe Fl is catching up fast.
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Old 10-27-2009, 07:41 AM
 
Location: California
10,091 posts, read 37,525,534 times
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Quote:
Originally Posted by tstone View Post
Huh?

Well, my HO is about $1800/yr and flood $300, but I am close to the water. $225k, 2200 sq ft.
Hey tstone....get your flood ins bill yet? Got mine yesterday...went from $300 to $1400!!!!!!!!!!!!!!!!!!!!
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Old 10-27-2009, 07:54 AM
 
Location: Clear Lake TX
8,280 posts, read 27,516,240 times
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No we are still high & dry (sorta), out of the flood plain. The surge stopped short about 8 miles away from us. It also never floods when it rains out here, unlike towards El Camino/Bay Area. So it is still 300ish.

However since Ike, the HO insurance went up from 1800 to 2200. Oh yeah but there's a discount in there for not making a claim. Just gives you a warm & fuzzy feeling inside. At least the plan is extremely comprehensive, unlike some of this utter crap some people in here have been sold.
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Old 10-27-2009, 07:59 AM
 
Location: California
10,091 posts, read 37,525,534 times
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Quote:
Originally Posted by tstone View Post
No we are still high & dry (sorta), out of the flood plain. The surge stopped short about 8 miles away from us. It also never floods when it rains out here, unlike towards El Camino/Bay Area. So it is still 300ish.

However since Ike, the HO insurance went up from 1800 to 2200. Oh yeah but there's a discount in there for not making a claim. Just gives you a warm & fuzzy feeling inside. At least the plan is extremely comprehensive, unlike some of this utter crap some people in here have been sold.
Even tho we're right on the lake, we were never considered in a flood plain..UNTIL Ike. We still have never flooded, nothing has changed...except the amt. of the bill.
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Old 10-27-2009, 12:21 PM
 
Location: Austin & Houston, TX
1,461 posts, read 5,082,853 times
Reputation: 423
Homeowner insurance rates are going up.
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