brendanmarie asked:


I’m just looking for a general estimate. It will be for a new construction home (approximately 2,000 sq ft) valued at about $200,000 once complete. It’ll be in a subdivision in a non-flood zone in semi-rural southeast Louisiana. I don’t have time to call around for quotes right now, and none of the online rate quote tools have info. for my zip code.
Thanks for the info. I didn’t mean to ask twice – my first question was mistakenly deleted.
Thanks everyone for the info, but I was finally able to find what I needed on the state dept. of insurance website. It has a long list of companies that offer HOI and rate comparisons. It looks like I’ll easily be able to get coverage for around $1,500 a year or less. Thanks again for your help.

kadagaba asked:


I know you can’t give me an exact quote, but what is an average amount per year?

xyz4484604 asked:


Buying my first home soon and need homeowner’s insurance. I heard you can combine your homeowners and car insurance together and get a great rate. Trying to find out which group, allstate, american family or other is best. I live in Indiana.

Saving on California Homeowners Insurance

Saving on California homeowners insurance can be a difficult task, but with the right agent who knows your situation such as a local agent in your area is best to seek information. 

Multi-Policy Discount:  Consider purchasing auto and homeowners insurance from the same company as most companies will give a multi-line discount.

Private Insurance:  If you live in a high-risk area and have been buying your insurance through a government plan, you should check with an insurance agent. You may find that there are steps you can take to buy insurance at a lower price in the private market.

Increase Your Deductible:  A deductible is the amount of money you pay on a loss before your insurance company pays for a claim. The higher you set your deductible, the more money you can save off the premium. Currently insurance companies recommend a minimum deductible of $500. Ask your agent how much you would save if you went with a $1000 deductible.  A deductible is the portion of any claim that is not covered by an insurance provider. 

Home Security:  Many insurance companies will give a discount for smoke detectors, burglar alarms and dead-bolt locks. Some companies will also give a discount for sprinkler systems.

Good Credit Helps:  Insurance companies are using credit scoring more and more to determine premium on homeowners insurance.

Rebuilding Costs:  Many times people think they need to insure their house for the amount the amount purchased.  This is not the case. If your house were to completely burn down, you would still have the land. Your agent will be able to help you calculate replacement cost of the house.

Understanding Credit:  Did you know that most insurance companies today will run your credit report when calculating your premium for homeowners insurance? That’s why it’s so important to understand your credit score and how to improve it.

Search for homeowners insurance agents in California by your zip code for a free rate quote on your homeowners insurance today.

 



By: Daren DiSantis

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Chris K asked:


We are buying a home for 90K, its about 50 years old but completely remodeled in Alabama. Any suggestions? I have to decide tomorrow.

sukanto asked:


Just got a new quote on home owner insurance. It is slightly better than my last insurance company, but not by much. Is this quote negotiable? Or it is what it is, take it or leave it?

Doug B asked:


We are closing on a loan. The mortgage broker now says that we have to pay homeowners insurance for a whole year up-front. We have had nothing but problems with this company. Before this he said we would have to pay the taxes and insurance for the remainder of the month we closed in. I think he’s being untruthful and is trying to make another $800.00 on the mortgage. I got a quote from my insurance company for $450.00 for the annual fee. I am also closing today the last day of the month…..whats up?
I live in Ohio!

Jonathan H asked:


I recently moved out of my parents home to another state but had not yet switched my car registration, tags, and insurance to the new state so the car is still registered to my parents home. My car was recently broken into in the parking lot of my new apartment and my insurance company is saying that the items stolen would only be covered by homeowners insurance. Since I have not yet switched my registration to the new state, do I still have a claim with my parents homeowners insurance. Also, I do not have renters insurance at my current apartment.

zephyrs asked:


Home owner insurance – On my Personal Liability Schedule, I saw these:

L – Personal Liabilty, $500,000 each occurance
M – Medical payments $1,000 each person, $25,000 each accident

What is the difference between personal liablity and medical payments? If someone slipped and injured in my yard, does that consider medical payment or liabilty?

Thank you so much for your help!

When I built my first house a few years back, the last thing I was thinking about was to insure it. I had more than enough to think about that time. However, one night it really hit me; my house was almost finished and ready to move into, I had spent hundreds of thousands for material, equipment and work. All of a sudden I woke up and found myself wet all over my body. My heart was beating in a running pace and I had a nasty feeling in my stomach. I was reliefed. It was only a nightmare. It was only a dream that my house had burned down.

The morning after I purchased a homeowner’s insurance. Everyone who owns a home needs a good insurance company. Homeowners insurance is one of the biggest things that you are likely to take out in your life, and you need to do some research into the type of homeowners insurance companies will be willing to offer you before you jump right in. You will need someone who will give you enough insurance to cover the cost of rebuilding your home, or replacing the property within it.

Some banks will ask you to buy enough homeowners insurance to cover the amount of money you take out on your mortgage. When you pay off your mortgage, don’t cancel your homeowners policy, as insurance protection will guard the investment you’ve made in your home. When looking for homeowners insurance companies, make sure that you choose one which will cover all of your costs should an accident happen. For example if you own a mobile home and you live in the state of Florida, then Florida mobile homeowners insurance is going to be the obvious choice for you.

If you are looking for homeowners insurance companies in order to insure a mobile home, you may be worried that it will cost a lot more than a normal home. However, this is not always the case. In some places, for example Florida, mobile homeowners insurance can be bought from a specialist company who do not raise their premiums for mobiles. Homeowners insurance companies are more likely to give an affordable quote if they are used to insuring similar types of property. If you are looking in Florida, mobile homeowners insurance can be found through the Internet, or by looking through the local papers. The internet provides a good resource since it allows the customer to compare prices, and attempt to find mobile home insurance that does not raise the insurance premiums because of the risk of hurricanes. It can be difficult to compare prices between homeowners insurance companies at ground level.



By: Ian Koch

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