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Old 07-13-2012, 10:41 PM
 
Location: San Antonio TX
381 posts, read 700,008 times
Reputation: 228

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I am a first time home owner, and I pay about $1000 a year for my new 1556 sq ft home to cover the $165k that I financed. I was wondering how much other people pay for their home ins here? I am supposed to be getting a 15 percent discount since I also have car insurance with the same company. I have some things in my policy that I don't like. Example : coverage for up to $5000 I home computers, but I only have a cheap laptop. But the agent said that was the minimum. I think I need to start shopping around. Thanks in advance.
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Old 07-13-2012, 11:44 PM
 
Location: New Braunfels, TX
6,768 posts, read 10,025,873 times
Reputation: 7332
Our homeowners policy is for $251,000, with a half-million "umbrella" rider included. It's like $870/year - we're w/Germania.
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Old 07-14-2012, 12:37 AM
 
1,365 posts, read 4,137,065 times
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We pay $818 a year for $260k in coverage for a 2750sq ft home ... We are with USAA
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Old 07-14-2012, 12:56 AM
 
Location: San Antonio, TX
11,448 posts, read 23,203,437 times
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I have USAA also, mine is below $500 a year, for coverage on a 1500 sq ft home.
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Old 07-14-2012, 03:40 AM
 
Location: San Antonio/Houston/Tricity
45,208 posts, read 64,679,110 times
Reputation: 104706
I pay $533 for the same ^^^ home size. I am with Allstate.
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Old 07-14-2012, 04:19 AM
 
Location: West Paris
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about $ 500 a year ! you are lucky to live in SA !!
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Old 07-14-2012, 07:58 AM
 
Location: San Antonio
7,629 posts, read 15,040,975 times
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We pay less than that for a house that cost an additional $100K and contents...sounds like you need to shop around a little and see what others offer you.

If they all come in higher, then you need to ask yourself what YOU might have that would make your rates higher...I am not versed on this stuff, but understand that everything from accidents, prior claims, credit rating and other crazy stuff can be considered now for everything from insurance rates to apt rental abilities.
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Old 07-14-2012, 12:01 PM
 
Location: San Antonio TX
381 posts, read 700,008 times
Reputation: 228
Thanks for all your replies. The builder offers insurance for only $500 a yr, and I think it's time to shop around. My credit issues are in the past and I have never filed a claim, so I think I'm in good status to get something for less.
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Old 07-14-2012, 12:15 PM
 
Location: San Antonio
7,629 posts, read 15,040,975 times
Reputation: 18736
Then HECK YEAH...time to do a little shopping!

Good luck with it and how long ago did you buy your house??? You can have the escrow do an "audit" and normally get a healthy little check back after that first year...check into it!
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Old 07-14-2012, 01:08 PM
 
Location: San Antonio
583 posts, read 1,076,096 times
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Pay about $1200 a year for about $330 that covers the house and the contents in the house. Don't forget it isn't just about the size of the house. You also need to take into consideration what your household goods cost for replacement. You want to make sure you are covered for the amount it would recost to build your home also.

I am with USAA but do not sell insurance so I don't know all the variables that are taken into consideration but there are lots.
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