Best homeowner insurance in the area?

[heartdurhamnc]

It looks like USAA is good for car insurance but more expensive for home. i will call Liberty and Nationwide
So far i called 3 companies and here is what i came across from the cheapest with $2500 deductable
AMICA cov a $265000 cov c $198750
FARM BUREAU cov a $321900 cov c $225330
STATE FARM cov a $267000 cov c $186900

[pierretong1991]

I was looking online for it but there used to be a database of complaint ratios on the NCDOI website - anyone know if that still exists?

[heartdurhamnc]

Question who determines the value of coverage A? Coverage A exclude the land?

[hammester]

Originally Posted by heartdurhamnc

Question who determines the value of coverage A? Coverage A exclude the land?

Cov A does exclude the land. Usually the insurance company will recommend what the cost to rebuild your home (cov a) will be using cost estimating software. You can usually lower or up the amount but be very cautious with changing that amount significantly, if you under value your home a lot of companies have language in the contract that will penalize you for it.

[sarabellum27615]

I have been a long time customer with State Farm in Atlanta, Fairfax VA, and for the last few years in Knightdale. I have always been happy with the customer service. I like dealing with people one on one, and it is the agent office who makes the difference for me. THe ins costs down here in NC are lot lower than what I had been paying in the other states I lived.

[heartdurhamnc]

Originally Posted by hammester

Cov A does exclude the land. Usually the insurance company will recommend what the cost to rebuild your home (cov a) will be using cost estimating software. You can usually lower or up the amount but be very cautious with changing that amount significantly, if you under value your home a lot of companies have language in the contract that will penalize you for it.

Okay thank you. That is what i thought...We picked the insurance company.