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09-17-2007, 12:36 PM
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Location: High Bridge
2,736 posts, read 9,255,225 times
Reputation: 670
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Have a house officially built in 1900, currently under contract, and I am trying to get some options together for homeowners insurance. Quote from Esurance is apparently going to take 2-3 days, allstate won't insure a home more than 90yrs old, etc.
Anyone here have an old home they insure? Who are you using?
Thanks in advance!
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09-17-2007, 12:38 PM
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7,079 posts, read 36,765,201 times
Reputation: 4082
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I've always worked with Chubb. They're pricey, but they're amazingly wonderful when you do have a claim.
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09-17-2007, 12:48 PM
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1,363 posts, read 5,719,451 times
Reputation: 890
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We use State Farm. Our house was built in 1910.
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09-17-2007, 01:15 PM
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3,269 posts, read 9,526,755 times
Reputation: 2022
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Are you eligible for NJM? They will be the cheapest if you can get 'em. We also priced out with USAA (again if you are eligible) but they were over double what NJM was.
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09-17-2007, 02:12 PM
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Location: High Bridge
2,736 posts, read 9,255,225 times
Reputation: 670
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No go on NJM or NJAA unfortunately... and I won't use State Farm anymore. Recently tried screwing over my gf after a car accident where she was run off the road, and they've been giving her the run around (read: lying through their teeth, trying not to pay whats in the agreement) ever since.
For anyone interested, got a quote back from NJ Skylands insurance - very reasonable! If anyone has experience with them, I'd definitely be interested there too 
-Joe |
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09-17-2007, 03:21 PM
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3,269 posts, read 9,526,755 times
Reputation: 2022
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Too bad on NJM. Wait...don't you work for yourself? If you have your own company you should get yourself set-up with them. Painful, but totally worth it.
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09-17-2007, 05:50 PM
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Location: High Bridge
2,736 posts, read 9,255,225 times
Reputation: 670
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Quote:
Originally Posted by UKOK
Too bad on NJM. Wait...don't you work for yourself? If you have your own company you should get yourself set-up with them. Painful, but totally worth it.
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Nope, work for a large firm now...but might be starting up my side business again now that I'll have a real home office to work in again I'll definitely look into it, thanks! |
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09-17-2007, 06:07 PM
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Location: Toms River, NJ
1,106 posts, read 4,718,971 times
Reputation: 655
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You could check with Proformance. I live on the water and had trouble finding someone to insure me and they came through.
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11-26-2007, 08:27 AM
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Location: High Bridge
2,736 posts, read 9,255,225 times
Reputation: 670
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Ugh.
After a few months, I now have insurance woes.
So I just got a letter from my insurance company, telling me my insurance will be cancelled two days after Christmas, for the following reasons:
* Roof has dry rot (inaccurate. The porch roof has the start of dry rot, as does the soffit fascia in two corners.)
* Front Porch, missing siding, dry rot and peeling paint (inaccurate. There is no missing siding on the front porch.)
* Rear Porch, missing siding, dry rot, and peeling paint (inaccurate once again. There is no rear porch - but if you were to call the steps out the back a porch, there is no dry rot, and the paint has been scraped for a month, with new paint on already. The area "missing siding" is not missing siding, the original siding is there, which is simply not matching the newer (but still old) siding, with partial work done to get new siding up over it.)
* Boarded up windows (inaccurate once again - I have no boarded up windows!)
* Missing Siding/Frame Exterior (again - I'm not missing any siding. wtf?)
So... wtf do I do here? Find another insurance company? Complain to the state dept of banking and insurance? Anyone ever see/deal with this crap?
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11-26-2007, 08:44 AM
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Location: The Communist State of NJ
7,177 posts, read 11,259,917 times
Reputation: 3670
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Allstate insures my home and it was built in 1880.
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