Anyone with Home Insurance knowledge? - GoFuckYourself.com

Brother Bilo · 01-10-2008, 02:32 PM

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 · 01-10-2008, 02:42 PM

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.

G-Rotica · 01-10-2008, 02:54 PM

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

Jayvis · 01-10-2008, 03:03 PM

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]

Brother Bilo · 01-10-2008, 03:41 PM

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?

Peaches · 01-10-2008, 03:44 PM

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.

01-10-2008, 02:32 PM	#1
Brother Bilo Confirmed User Join Date: Jun 2007 Location: I live in cage Posts: 4,193	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? __________________

01-10-2008, 02:42 PM	#2
Compdoctor Confirmed User Join Date: Aug 2001 Location: True 3D Content Posts: 1,937	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. __________________ Content By Compdoctor- Original 3D Cartoon Work 3D Comics Anime Resource Accepting Toon/Hentai Links

01-10-2008, 03:41 PM	#5
Brother Bilo Confirmed User Join Date: Jun 2007 Location: I live in cage Posts: 4,193	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? __________________

01-10-2008, 02:54 PM	#3
G-Rotica Confirmed User Industry Role: Join Date: Aug 2005 Location: Austin, TX Posts: 4,258	I was with Farners for years. Recently changed to State Farm. Much better to deal with.

01-10-2008, 03:03 PM	#4
Jayvis Confirmed User Industry Role: Join Date: Nov 2005 Location: Cincinnati, Ohio Posts: 5,428	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]

01-10-2008, 03:44 PM	#6
Peaches Old broad Join Date: Oct 2002 Location: Away Posts: 13,933	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.