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Old 07-30-2020, 11:04 AM
 
Location: Richmond, CA
881 posts, read 703,423 times
Reputation: 1081

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Quote:
Originally Posted by Ultrarunner View Post
HIPPO is a non starter...

Put in my address and that was it citing elevated fire risk.

I do appreciate the lead because it was not one of the companies I knew about...

So far California Fair Plan is about the same as I am currently paying with the same dollar amount coverage but very little else...

I still have a month to figure out alternatives.

At least HIPPO did not make me fill out a long questionnaire to tell me no... I had my answer with just my address...

Costco is one that surprised me in saying a NO because two years ago it was my second choice and very good... I went with CSAA because I bundled with Auto... but Costco was slightly less with better coverage notwithstanding Auto...

One company that did quote uses $450 square foot to calculate which is much higher than CSAA and CSAA has guaranteed replacement looking at the same square footage.

They say it is replacement cost but hundreds of thousands more than my purchase price just two years ago for home and land... something wrong with this picture?
Sorry to hear it. At least Hippo didn't waste your time. Reminds me of when I tried to get a quote from State Farm, and after filling out a long online form, they just told me to call a local agent. Please. As for replacement cost being higher than purchase price a couple years ago, that sounds questionable to me. My replacement cost is going up 15% this year but is still well below the total purchase price 2 years ago. You don't need to buy the land again! I think the large replacement cost increases account for the Bay Area's tradesmen shortage and other issues we've seen as a result of the Tubbs Fire in Santa Rosa.
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Old 07-30-2020, 11:11 AM
 
Location: N.Sierra Nevadas (California)
61,575 posts, read 4,652,927 times
Reputation: 20226
Quote:
Originally Posted by Ultrarunner View Post
HIPPO is a non starter...

Put in my address and that was it citing elevated fire risk.

I do appreciate the lead because it was not one of the companies I knew about...

So far California Fair Plan is about the same as I am currently paying with the same dollar amount coverage but very little else...

I still have a month to figure out alternatives.

At least HIPPO did not make me fill out a long questionnaire to tell me no... I had my answer with just my address...

Costco is one that surprised me in saying a NO because two years ago it was my second choice and very good... I went with CSAA because I bundled with Auto... but Costco was slightly less with better coverage notwithstanding Auto...

One company that did quote uses $450 square foot to calculate which is much higher than CSAA and CSAA has guaranteed replacement looking at the same square footage.

They say it is replacement cost but hundreds of thousands more than my purchase price just two years ago for home and land... something wrong with this picture?
No, if you have to rebuild from scratch, everything is much more expensive, plus new codes may also require expensive upgrades.
If you go with the Fair plan, I believe you can also buy a supplemental policy.

We lost our home in Paradise, so do not skimp on insurance.
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Old 07-30-2020, 11:21 AM
 
27,233 posts, read 55,622,074 times
Reputation: 21493
But it's 500k more than paid 23 months ago for land and structure and this was not a million dollar purchase and fell in line with SF median and average price...

Very sad so many lost homes... some like Coffee Park were not high fire risk...
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