#Homeowners #insurance.

[angledge]

OK, what do I need in a homeowner's insurance policy?

What companies are good? What companies are bad?

What discounts should I look for (other than combining home & auto - that one I know)?

Other tips, stories, suggestions, advice welcome!!

Comments

[love2loveher.livejournal.com]

So, you can usually go cheap, or go... consistent. I just know that I went cheap when I was buying my house, but the company nearly tripled the rates within three years. It was ridiculous.
So I switched to State Farm, who is slightly more expensive, but there is a human in my neighborhood that I occasionally can go sit with, and they don't constantly increase their rates - therefore my monthly payment stays as originally budgeted.

[angledge.livejournal.com]

Did you pick any special coverages? Why State Farm over other companies?

[love2loveher.livejournal.com]

OH OH OH. I went on Nextdoor, and asked my neighbors! That's how I settled on Statefarm.

I can't remember what special coverage I got. A little more than "Minimum necessary" but I know a little about hydraulics, and didn't go for flood insurance. You might think about an earthquake rider?

[angledge.livejournal.com]

Yeah, I'll be skipping the flood insurance too (Hooray for Zone X!) (And if it didn't flood last Friday, it will never flood!).

Earthquake rider... well, it's a bad one to be wrong on, I guess. On the other, more macabre hand, any earthquake activity here seems likely to be paired with volcanic activity, & if the Yellowstone supervolcano lets go, I suspect insurance will be a very dim concern indeed. :-D