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Old 08-22-2008, 08:15 AM
 
117 posts, read 415,986 times
Reputation: 40

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We are now in the process of looking for Home Owners Insurance. We have called several companies for an estimate of our house that will be completed in November.They vary quite a bit. I have checked other threads on this topic , but did not see any old posts from Northern Alabama.

Can you give us some leads on home owners Insurance? Which company are you using and why?

What is an average range?

What is a typical deductable? We were told $1,000.00 , but we have heard some folks have $10,000.00.

Our last Home owners insurance was excellent, but we can not buy it here because we got it through NEA and I am not a member anymore since I am not teaching.

Thanks!
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Old 08-22-2008, 08:20 AM
 
Location: Alabama
280 posts, read 637,228 times
Reputation: 76
We use Allstate and have been happy with them, of course I have never had to file a claim. Craig Wiggins and Jerry Brunson are a couple of the local agents I have heard good things about. I find their rates to be very reasonable. I cannot imagine having a $10,000 deductible, in my case that would not be worth even having insurance. We moved from city to county and from a new home to an older (15 year old) home and our rates went up a couple hundred dollars per year. Good luck!
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Old 08-22-2008, 08:30 AM
 
Location: Alabama!
5,927 posts, read 16,699,164 times
Reputation: 4534
Alfa is our agency of choice, with a $1,000 deductible. Never heard of a $10,000 deductible, but I'm sure it's possible. Be sure you get flood insurance if you're remotely near a flood zone. If you got insurance through NEA, you're going to have sticker shock over prices from the "real world."
Anyway, Alfa has had to put 2 new roofs on 2 different houses. They also paid a claim when my son's new trumpet was stolen out of his locked car. They've been great to us.
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Old 08-22-2008, 10:13 AM
 
1,645 posts, read 4,256,372 times
Reputation: 266
We're using State Farm, Brian Wiggins in Madison. Seems like a good office--he's online and I was impressed by his web site. We always used state farm--easier to transfer our records from state to state. His office staff is lovely to us as well.
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Old 08-22-2008, 11:28 AM
 
27 posts, read 62,223 times
Reputation: 18
I am using Cotton States Insurance - Excellent Service and Price - Call 256-534-3541.
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Old 08-22-2008, 11:28 AM
 
426 posts, read 1,166,556 times
Reputation: 126
Alfa is our insurance agency of choice. It's hard to beat their rates and their service has always been very good. Our deductible is also $1000. We were not familiar with them when we moved to AL (we had used State Farm and Nationwide previously) but many people recommended them. Also, I never really heard about unethical actions by Alfa back when Katrina, Ivan and Rita were causing all the damage on the Gulf Coast so I thought that was positive too.
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Old 08-22-2008, 03:36 PM
 
19,708 posts, read 59,628,374 times
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Alfa is pretty good on homeowners, but Travler's beat them by a mile on car insurance. I would SERIOUSLY avoid State Farm. The agent might be nice, but after reading about what they did in New Orleans, and seeing first hand how they tried to jerk around my neighbors in Florida, I would never use them for homeowner's again.
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Old 08-22-2008, 04:21 PM
 
117 posts, read 415,986 times
Reputation: 40
Thanks a bunch. I am going to call the ones mentioned and compare. We once used State Farms, but switched. Can't remember now, my husband will probably remember why. I think they were really expensive and we were able to get a much better price somewhere else. I think that is when we switched to my NEA insurance. I was quoted $1,000.00 for homeowners insurance through Costco..that is the lowest so far. Does that sound like a lot of $?
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Old 08-23-2008, 10:28 AM
 
27 posts, read 62,223 times
Reputation: 18
Thumbs up Cost

The price doesn't seem all that unreasonable, it really depends upon your coverage, size of house etc...
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Old 11-08-2008, 08:50 PM
 
3 posts, read 6,334 times
Reputation: 10
Default Insurance

Insurance, is not Insurance! It is not just coverage amounts and deductibles. The problem is that most people are uneducated about Insurance. That is why it is important to have a good agent and a good company behind the agent. We use Brian wiggins with state farm in Madison. It is very important that you understand your coverage. You can have the same $ coverage and deductible and have a completely different policy from one company to another. Some companies don't cover fences or landscape architecture, or even sewage backing up in your house. As far as the one comment about State Farm... Go do your home work. State Farm has the best record of customer satisfaction in handling claims compared to any other insurance company. Also, just recently all lawsuits against State Farm from the hurricane were just ruled on to be unfounded and were dismissed. The press release stated that State Farm handled all claims as they were suppose to be handled. There were some mistakes made, but State Farm found those mistakes and corrected them before anyone else found them.
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