Who do you have homeowners insurance with?

posted 1 year ago in Home
Post # 2
Member
8757 posts
Buzzing Beekeeper

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chillbee29 :  where are you? a lot of companies are regional so what I have might not be available to you. I’m in Boston and use Providence Mutual – I haven’t had to file a claim but my insurance agent said she’s always had an easy claims process with them and they don’t breed discriminate (which only matters if you’re a dog person). Cost is about $1,300/year. Look carefully at each line item just like you would with car insurance and make sure you don’t pay for coverage you don’t need, that you DO have the coverage you do need, and then get your quotes. I’m fine with a higher deductible so I save money on my annual premium by keeping that high. I’m not fine with skimping on personal liability coverage so that puts the cost back up a little bit for me. I also have my engagement ring as a separate rider. If you have an older home make sure they insure to replace your house as is, meaning that if you have 10 foot ceilings, detailed moldings, and hardwood floors that the company would rebuild all that and not just give you a modern builder’s grade piece of junk if your house burns down. 

Post # 4
Member
236 posts
Helper bee

I have ours with Amica. I think ours is around $1200/year, I think our deductible is only a couple grand. We bundled our home and auto with them. We haven’t filed a homeowner’s claim but we did have to file an auto claim when my Darling Husband crashed my car (he slid off the road and hit a house that was very close to the road, 4′ off the road). They were AMAZING. I paid the deductible which was around $1,000 and one 15 min phone call and they took care of everything, the car bill and sending someone out to assess the damage to the home and writing them a check. Our rates didn’t even go up after that accident. I can’t say enough good things about how they handled it.

Post # 5
Member
723 posts
Busy bee

We didn’t have other insurance so can’t compare but ours is Amica too. Filed a claim about mold and they were pretty fast on coming to do assessment and write the check.

Post # 7
Member
236 posts
Helper bee

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chillbee29 :  Ours is covered through Amica the whole house plus contents is covered through them.

Post # 8
Member
8757 posts
Buzzing Beekeeper

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chillbee29 :  that’s very strange – I have never seen a home owner’s policy that excludes the roof. That’s sort of the most important part of the house! 

Post # 11
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8757 posts
Buzzing Beekeeper

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chillbee29 :  idk how they are for homes, but everyone I know that has Geico for car insurance regrets it because the claims process is difficult. There is a reason they’re so cheap! I had to replace my roof when I bought my house (which I knew before I bought) and it was about $8k. If you don’t plan to keep that kind of cash around for a new roof I’d stick with full replacement. 

Post # 12
Member
399 posts
Helper bee
  • Wedding: June 2011

No idea if they’re available where you are (we’re in Ohio), but we have Cincinnati Insurance for home & auto. We filed 3 claims with them within 6 weeks in 2014 and they were AMAZING to work with. First claim was a home owners’ claim for a flooded basement and then 6 weeks later our house was hit by a tornado, resulting in a huge home claim & a car claim. For the flood, they accepted photo evidence & didn’t send an adjuster out. They just sent a check. For the tornado, they had adjusters and contractors out by 8am the morning after the tornado and were wonderful. We had no issues getting them to cover anything. Any time the contractors needed more money for something that had originally been budgeted for a lower quality, they worked with them to adjust the budget (example: we had nicer carpet in a few rooms than the original estimator qouted, so all we did was tell our contact that we had the nicer carpet and they upped the budget for those rooms). Others in our neighborhood with the big name companies (State Farm, Allstate, etc) waited weeks for adjusters to come out while ours were there first thing the day after. They also waived the deductibles for the first home claim & the auto claim. They did raise our deductible to $5000 after all the claims as a condition of not dropping us, but we will never have another company after our experiences with them.

Post # 14
Member
4033 posts
Honey bee

I just cancelled Amica. I’ve had them in the past and like them a lot, but my second year of having my home, car, and umbrella insurance under them they almost doubled my premiums. They also tried to jack up my house valuation to raise my premium even more. The sales person was awful. I woul use a broker and get multiple quote from different insurance companies and talk to the broker about what’s important to you. It’s free to go through a broker, the insurance company pays their fees. Also, have you tried bundling your homeowners and car insurance? You usually save a ton this way.

Post # 15
Member
7405 posts
Busy Beekeeper

I’m in Canada so you likely don’t have the same company, but I bundle my home and car insurance together. We got a really good rate for our cars if we added home to it, so we have everything all together. I found the bundle discounts helped significantly when researching. The companies would rather have you pay a little less each month but have more policies, so it worked in our favour. 

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