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Is anyone elses home insurance screwing them?
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Site Supporter   Location: Snohomish Co Joined: Thu Sep 13, 2018 Posts: 1811 
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Mine went from $1850 to $2775 and coverage has barely changed. It's safeco, and my broker is going to be shopping around.
I'm not rich, it's a 100+ year old house so they justify the "well it takes more money to rebuild" even though at the $300k payout i would just buy the neighbors house and build another garage in it's place if it burned. |
| Sun Nov 11, 2018 12:39 am |
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Site Supporter  Location: Everson, WA Joined: Sun Jan 6, 2013 Posts: 28178 Real Name: Ace Winky
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shaggy wrote: Mine went from $1850 to $2775 and coverage has barely changed. It's safeco, and my broker is going to be shopping around. I'm not rich, it's a 100+ year old house so they justify the "well it takes more money to rebuild" even though at the $300k payout i would just buy the neighbors house and build another garage in it's place if it burned. Whoa. That does seem really high. Mine is less than 1/3 of that. Is that just because older home? Old wiring??? For sure shop. _________________ Why does the Penguin in Batman sound like a duck? Because the eagle sounds like a hawk. |
| Sun Nov 11, 2018 4:17 am |
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Site Supporter  Location: The banana belt of MT Joined: Wed Dec 30, 2015 Posts: 8586 Real Name: Brian
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Try Pemco, though they're low rates are based on that I have automobile insurance with them too ($900/year-2600 sq ft house that is 21 years old)
_________________ "I hate to advocate drugs, alcohol, violence, or insanity to anyone, but they've always worked for me."- Hunter S. Thompson |
| Sun Nov 11, 2018 4:39 am |
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 Location: Auburn, WA. Joined: Sat Sep 2, 2017 Posts: 533 Real Name: Steve
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sportsdad60 wrote: Try Pemco, though they're low rates are based on that I have automobile insurance with them too ($900/year-2600 sq ft house that is 21 years old) Is that ($900 a year) home/auto combined? _________________ NRA Member SAF Member GOA Member “Those that can give up essential liberty to gain a little temporary safety deserve neither liberty nor safety.” -Benjamin Franklin |
| Sun Nov 11, 2018 5:09 am |
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Site Supporter Location: The banana belt of MT Joined: Wed Dec 30, 2015 Posts: 8586 Real Name: Brian
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Greenecho wrote: sportsdad60 wrote: Try Pemco, though they're low rates are based on that I have automobile insurance with them too ($900/year-2600 sq ft house that is 21 years old) Is that ($900 a year) home/auto combined? Oh hell no! I wish! I have a 20 year old on my auto policy.  _________________ "I hate to advocate drugs, alcohol, violence, or insanity to anyone, but they've always worked for me."- Hunter S. Thompson |
| Sun Nov 11, 2018 5:45 am |
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Site Supporter  Location: Hoodsport/Shelton Joined: Sat Mar 19, 2011 Posts: 3372 Real Name: Don
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PM sent
_________________ "The problems we face today are there because the people who work for a living are outnumbered by those who vote for a living". -- Travis A Kisner |
| Sun Nov 11, 2018 6:50 am |
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Site Supporter  Location: Everett, WA Joined: Sat Aug 4, 2012 Posts: 2798 Real Name: Snek on de ladder
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I pay 580$ for whatever the mortgage bank requires via travelers insurance. They were pretty awesome six years ago when i had a claim.
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| Sun Nov 11, 2018 6:55 am |
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Site Supporter  Location: Duvall Joined: Thu Mar 17, 2011 Posts: 4604 Real Name: David
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If you're current or ex military or.gov,you really need to check out USAA for all your insurance needs.
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| Sun Nov 11, 2018 7:05 am |
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In Memoriam  Location: Tacoma Wa Joined: Tue Oct 8, 2013 Posts: 16607 Real Name: George Bailey
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shaggy wrote: Mine went from $1850 to $2775 and coverage has barely changed. It's safeco, and my broker is going to be shopping around. I'm not rich, it's a 100+ year old house so they justify the "well it takes more money to rebuild" even though at the $300k payout i would just buy the neighbors house and build another garage in it's place if it burned. You need to talk to your insurance agent. Mine built in 1977 @$350K through Safeco ~$550/yr My GF house just up the street is a larger lot and bigger house and hers is just a bit more. Somebody dropped a decimal Flood Plain? _________________ "Remove one freedom per generation and soon you will have no freedom and no one would have noticed."......Carl Marx "Let us Cross the river and sit in the shade of the trees" .....Stonewall Jackson T. Jefferson "....the tree of liberty must be refreshed from time to time with the blood of patriots & tyrants. it is it's natural manure" |
| Sun Nov 11, 2018 7:24 am |
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Site Admin   Location: Olympia, WA Joined: Fri Mar 11, 2011 Posts: 38307 Real Name: Dan
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Mine is right around $1,200 a year @$480k (with additional binders for jewelry and valuables), plus I have earthquake insurance (snake oil, but... It's gonna happen one day).
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| Sun Nov 11, 2018 7:30 am |
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Site Supporter  Location: S. Everett Joined: Thu May 2, 2013 Posts: 3042
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My buddy, who happens to be pro-2a, is an insurance broker. Give him a call can tell him Emmanuel sent you. His name is Adrian - 360-377-7645
 Sent from my iPhone using Tapatalk |
| Sun Nov 11, 2018 7:30 am |
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Site Admin Location: Olympia, WA Joined: Fri Mar 11, 2011 Posts: 38307 Real Name: Dan
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There is also Lora, who is a WaGuns member and a State Farm agent.
Here is a link of her thread on here: /viewtopic.php?f=36&t=90106&p=888893#p888893 |
| Sun Nov 11, 2018 8:22 am |
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 Location: Elma Joined: Sun Sep 22, 2013 Posts: 420 Real Name: Gene
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We're about $855 for a bit over $300K , live about 1/2 mile from a fire sub-station 1.5 miles from city limits with Safeco. Your rate must be based on location or some sort of risk rather than just payout value. That is 3 times what ours is with the same company and similar values. Jeebus.
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| Sun Nov 11, 2018 8:35 am |
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Site Supporter  Location: Apple Country! Joined: Thu Apr 12, 2012 Posts: 4578 Real Name: J
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Make sure you check the gun policy. Safeco covers your guns up to the policy amount.
Others, usually have something retarded like a $2500 limit on guns without a rider. _________________ "Guns are dangerous." -Massivedesign |
| Sun Nov 11, 2018 9:15 am |
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Site Supporter  Location: South Seattle Joined: Thu May 2, 2013 Posts: 12475 Real Name: Steve
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Massivedesign wrote: There is also Lora, who is a WaGuns member and a State Farm agent. Here is a link of her thread on here: /viewtopic.php?f=36&t=90106&p=888893#p888893 If I'm not mistaken, Lora is independent now, so while she does still write State Farm Policies, she can compare costs and write other policies, as well. |
| Sun Nov 11, 2018 11:24 am |
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