Home Owners Insurance - Holy f'n S.

Post by **GORDON** » Fri Sep 06, 2013 10:28 am

Over the years I would guestimate I have spent nearly $20k on home owner's insurance, and have never had to file a claim, ever.

Today I found out the insuance on my current primary residence is going up from $1100 to $1400. Again, I have never filed a claim. I don't really like being dinged like that for no reason.

So I went online to progressive.com, which is the company with which I insure my cars (the snapshot program saved me a shitload of money compared to state farm or allstate or whoever the hell I was using), and when I bundled in the homeowner policy it brought my bill down to about $850.

Yeah it is a hippy company run by hippies, but By Grapthar's Hammer, What A Savings.

Also I really like progressive.com's website. You can handle everything about your policy right there without having to talk to a human. Humans are the worst.

Edited By GORDON on 1378477762

Post by **TheCatt** » Fri Sep 06, 2013 11:14 am

Why don't you have USAA? I use them for everything: Car insurance, house insurance, umbrella insurance, life insurance, fancy crap insurance... everything.

Post by **TheCatt** » Fri Sep 06, 2013 11:17 am

I just looked up my homeowners' insurance, and we pay $1,246/year, which includes
$364k - dwelling insurance
$254k - personal belongings insurance
$500k - personal liability insurance
And other things (loss of use, etc)

Malcolm · Post by **Malcolm** » Fri Sep 06, 2013 11:38 am

Think my renter's insurance is about $50/year. Fucking expensive, man.

Post by **Troy** » Fri Sep 06, 2013 12:23 pm

Malcolm wrote:Think my renter's insurance is about $50/year. Fucking expensive, man.

+1

Post by **GORDON** » Fri Sep 06, 2013 2:06 pm

TheCatt wrote:I just looked up my homeowners' insurance, and we pay $1,246/year, which includes
$364k - dwelling insurance
$254k - personal belongings insurance
$500k - personal liability insurance
And other things (loss of use, etc)

Comparing our numbers, I think I have the better deal.

Post by **TheCatt** » Fri Sep 06, 2013 3:23 pm

Well, maybe you do. But I'd never leave USAA, honestly. They've been awesome every time I've dealt with them.

Post by **GORDON** » Fri Sep 06, 2013 3:28 pm

It's real damned close.

Never even heard of USAA I think.

Post by **TheCatt** » Fri Sep 06, 2013 3:35 pm

Really? USAA is setup specifically for members of the military or ex-members. It was founded by military officers, and all of its public messages are about US military service, etc. It's setup as a non-profit, iirc, so at the end of every year, if they have excess reserves, members get refunds on their insurance. It's usually pretty small, and maybe it's only for auto insurance.

My duplex burned down about 14 years ago, lost everything I couldn't get out in 5 minutes. USAA was my renters insurance, and they were awesome. Very helpful, very quick, made everything about as pleasant as it could be given the circumstances.