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Raleigh, Durham, Chapel Hill, Cary The Triangle Area
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Old 05-02-2013, 03:15 PM
 
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I have auto and renters with Met Life. Have been satisfied for years.

Normal requirement of landlords is 100K liability. just be sure to get replacement value insurance, not depreciated value. Very little difference in cost.
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Old 05-02-2013, 04:52 PM
 
Location: Raleigh, NC
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Other things to keep in mind when getting homeowners or renters insurance:

Choose a really large deductibles. For some reason, how many claims you've had counts more against you than the dollar amount, when it comes to insurance companies deciding to raise your rates or even dropping you as a High Risk. You have to have the financial responsibility and discipline to put away enough to "self insure" against smaller incidents. This is the same in car insurance. you get some minor damage, you're usually are better off paying for it out of your own pocket because a claim might trigger the higher rate, or being dropped. If you're dropped, than you have to go to High Risk providers for a MUCH higher rate.

Another thing is that while I totally agree with the previous poster in that you should have Replacement Value, you should also discuss with your agent what is covered. A lot of home owners policies have limits on certain categories. If you exceed that covered level then to be safe, you need extra riders.
IE: If you have extra valuable clothing (furs?), valuable collections like coins, baseball cards, guns, or high end stereo or computer gear. The extra rider is surprisingly cheap, but might save you a huge expense if you're burgled, or lightning hits and scorches your electronics.
With St. Farm, your computers are covered only up to a moderate value. They will even provide additional coverage for a bit more (at no extra premiums) as long as you notify your agent that you need it. Then if you have even more, than a few dollars a year extra will cover it.
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Old 05-02-2013, 04:55 PM
 
Location: Charlotte, NC
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Quote:
Originally Posted by keithtoo View Post
Assuming you have a car, have you tried your auto insurance agency yet? A lot of times, they will bundle insurance policies so that you get a better rate overall.
This is my recommendation. Experience: 14 years as a property manager.
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