Anyone with Home Insurance knowledge?

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  • Brother Bilo
    Confirmed User
    • Jun 2007
    • 4193

    #1

    Anyone with Home Insurance knowledge?

    I'm buying a house shortly and I've never had any experience with Home Owners Insurance. Wondering if anyone had any tips or where I can go to compare companies without having to listen to anymore agents feed me all kinds of bullshit about why they are better than everyone else?
  • Compdoctor
    Confirmed User
    • Aug 2001
    • 1937

    #2
    I'm with American Family, got total coverage for a nice price. There are cheaper companies, but you have to remember, you get what you pay for. I want to make sure my home and stuff is covered.
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    • G-Rotica
      Confirmed User
      • Aug 2005
      • 4258

      #3
      I was with Farners for years. Recently changed to State Farm. Much better to deal with.

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      • Jayvis
        Confirmed User
        • Nov 2005
        • 5430

        #4
        I use to work for State Farm, I can tell you exactly how they rate everything from cars to homes and the different factors involved in the process of giving rates. Email me if you want. jayvis[at]gmail[dotcom]

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        • Brother Bilo
          Confirmed User
          • Jun 2007
          • 4193

          #5
          Now, I've heard from a lot of people that State Farm will screw you over in a minute when you actually need to file a claim.

          This is where I'm running into the most problems. One guy gets screwed and tells me this insurance is garbage, but he might of been the only one. Does anyone know if there is anywhere to compare companies?

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          • Peaches
            Old broad
            • Oct 2002
            • 13933

            #6
            I have USAA for all my insurance (except health). If you have a parent who was in the armed forces, you can apply for it. It's truly the best insurance ever.

            Be sure and get replacement coverage. Period. Also get a high deductible and don't file for little things. I've seen people get canceled because they made 3 claims in 5 years - but each of those claims were less than $1K.

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