Home Insurance

motordavid · #1 04-23-2007, 08:12 PM

Chef,
Difficult to go by anyone's "rating list", as many local situations
prevail. Ours is Auto-Owners, which sounds like a car deal;
in fact, we do have 3 cars, 3 Scoots, and our Homeowner's
and an Umbrella with them, (on the Mtn. house; the FLA house
is an insurance nightmare.)

I suspect that running cars, vehicles and homeowner's through
one company should offer an advantage in pricing, coverage and
maybe better attention when the poop hits the fan...maybe.

Our local agent writes for a few dozen companies and they were
good enough to spend time with us, discussing needs, coverages,
etc. Then she did some homework and got back to us with 3 companies
that she thought offered a good package, and showed us all three,
with rates. Pretty good service. We've been with that agent and that
underwriting company since we initially built and moved to hillbilly heaven
5 1/2 years ago.

That's my story, but I'd bug your agent and ask them to do some legwork
for you and think about combining cars and house for a better deal.
GL,mD

Thunder22 · #2 04-23-2007, 08:33 PM

I just spoke to my cousin today about homeowners insurance for a friend. Basically almost EVERY major carrier in the US are not writing NEW homeowners policies in the North East, especially in NY/LI and within 5 miles of any water. ( I referred a friend to him and he couldn't write it which is how I found out).

In answer to the question though, Met Life, Encompass (owned by AllState now, used to be CNA), Home, State Farm, and USAA (only open to military and their families) are all good. The premium increases are because of Katrina and the anticipated 100 year storm.

cmyX6go · #3 04-23-2007, 08:38 PM

I don't know where you are but NJ Manufacturers is great. Had them on the cars and the house. They reduce both premiums every year. I have filed homeowners claims and they were there immediately.

MY parents have a good company - never an issue but I can't think if who it is...I'll ask them

Thunder22 · #4 04-23-2007, 08:54 PM

Quote:

Originally Posted by cmyX5go

I don't know where you are but NJ Manufacturers is great. Had them on the cars and the house. They reduce both premiums every year. I have filed homeowners claims and they were there immediately.

MY parents have a good company - never an issue but I can't think if who it is...I'll ask them

Is Manufacturers the company that you have to be referred to by a current insured?

cmyX6go · #5 04-23-2007, 09:00 PM

I originally got in because my company uses them. They are picky but they are worth it. Service is supreme. I'm not sure if it's a closed deal that you still need a referral for.