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05mommy09
Family of 5!
Member since 5/05 15364 total posts
Name:
<3 Mommy <3
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Shopping around for homeowners insurance...
Any suggestions on who I should contact? Who has the best rates? Who doesnt?
Brokers?
Message edited 10/14/2010 2:38:20 PM.
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Posted 10/14/10 2:29 PM  |
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Prudential Douglas Elliman Real Estate
Long Island's Largest Bridal Resource | Long Island Weddings |
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Re: Shopping around for homeowners...
utica first
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| Posted 10/14/10 2:37 PM |
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JennZ
MY LIFE!!
Member since 8/05 25463 total posts
Name:
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Re: Shopping around for homeowners...
Good luck finding a company who will write one. We finally went with state farm but had to switch our cars to them too..
A lot of companies aren't writing because LI is "due for a big hurricane". I had about 7 companies tell me that same line.
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| Posted 10/14/10 2:39 PM |
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Finally1108
My two boys
Member since 12/08 3541 total posts
Name:
Angela
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Re: Shopping around for homeowners insurance...
depends where your located...
Travelers
Allstate
Statefarm
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| Posted 10/14/10 2:40 PM |
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05mommy09
Family of 5!
Member since 5/05 15364 total posts
Name:
<3 Mommy <3
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Re: Shopping around for homeowners insurance...
Posted by JennZ
Good luck finding a company who will write one. We finally went with state farm but had to switch our cars to them too..
A lot of companies aren't writing because LI is "due for a big hurricane". I had about 7 companies tell me that same line.
I got a quote from state farm, geico, and all state...
Geico was the highest...
Im happy with Geico car insurance and would rather not switch, but state farm rate dropped a big chunk if we switched our cars to them...
The only company (so far) who gave me the hurricane schpeel was travelers...
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| Posted 10/14/10 2:44 PM |
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HeatherRose
Life is Good :)
Member since 11/07 6605 total posts
Name:
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Re: Shopping around for homeowners insurance...
Posted by 05mommy09
Posted by JennZ
Good luck finding a company who will write one. We finally went with state farm but had to switch our cars to them too..
A lot of companies aren't writing because LI is "due for a big hurricane". I had about 7 companies tell me that same line.
I got a quote from state farm, geico, and all state...
Geico was the highest...
Im happy with Geico car insurance and would rather not switch, but state farm rate dropped a big chunk if we switched our cars to them...
The only company (so far) who gave me the hurricane schpeel was travelers...
switch your cars, they are terrible!! we just had 2 car accidents where we were rear-ended, police even wrote the reports to support it and they still are deeming it our fault (one of which we were just driving along and the lady even admitted to turning around to help her child and she stepped on the gas!!). after a lot of research, Geico car ins is so cheap because they NEVER pay for claims, they make it your fault so you pay your deductible then they raise your rates. you also have no rep, so when you have an accident you don't have anyone to represent you or fight for your rights!
As for homeowners, I have Utica First. they weren't expensive.
we are in the market for new car ins for 4 cars, our boat and I am willing to switch my home just so I am in one place. Utica only takes your cars if you pay the premium for 1 year up front. I didn't want to do that so I am going to try and get some other quotes
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| Posted 10/14/10 2:56 PM |
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luckylady
LIF Zygote
Member since 8/10 39 total posts
Name:
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Re: Shopping around for homeowners insurance...
I did this last year and contacted
Liberty
Amica and
State Farm.
Got the best rates from Liberty.
FYI dont bother with All state, they are dropping approx 25% of their HO in the tri state area to lower their risk. We were dropped last year after 4 years with them with never one claim. We had our cars with them too and took the cars to Liberty as well.
Also I wont even tell you how much our rates for HO with All State went up in the previous 3 years it was sick!
ETA: Geico outsources their HO (at least I know that did that in the past) You will always get better rates if you bring the cars too.
When we switched last year, we got HO, increased coverage, umbrella (we didnt have with AS) car, jewelery rider, and something else, all for less than we were paying for JUST our HO and 2 cars.
Message edited 10/14/2010 4:17:50 PM.
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| Posted 10/14/10 4:15 PM |
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mommyto2
LIF Zygote
Member since 7/07 3 total posts
Name:
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Re: Shopping around for homeowners insurance...
I got a great deal from Central Island in Nesconset.
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| Posted 10/14/10 4:16 PM |
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LotsaLuv
Us
Member since 6/10 4094 total posts
Name:
F
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Re: Shopping around for homeowners insurance...
We deal with a broker and have Narr Bay for Home & Metlife for auto
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| Posted 10/14/10 4:37 PM |
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ave1024
I Took The Wrong Road
Member since 12/07 6153 total posts
Name:
That Led To The Wrong Tendencies
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Re: Shopping around for homeowners insurance...
I have had Liberty for my homeowners for years now. Never had any issues. Of course never put in any claims either.
They love me because I carry a $5000 deductable. So no stupid claims. My rates are dirt cheap because of this too.
I am actually switching my cars to them and adding umbrella.
I currently have GEICO for my cars. Switching the cars to Liberty, I am saving $450 off the yearly auto premium. I then get an additional 10% off my homeowners which saves me another $80.
I wanted to add Umbrella to my insurance, and with all the savings I am getting by combining policies, the $360 yearly Umbrella premium is basically paid off (like getting free umbrella). And I still save some.
I really liked GEICO as a car insurance. Had them for almost 20 years. But these savings are too good to pass up.
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| Posted 10/14/10 5:04 PM |
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Mrs213
????????
Member since 2/09 18986 total posts
Name:
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Re: Shopping around for homeowners insurance...
we had a horrible time until we went with insurance guy/broker/salesman not sure what they are called but he went through getting all the quotes from different companies etc. We got a really good price through Interboro I believe it is 865 per year...
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| Posted 10/14/10 5:43 PM |
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