We put in an offer on a house. Our first house purchase attempt . Anyhow I'm starting to research home owners insurance. The only insurance I've ever had has been car and we've used Geico, which has worked well for us. Dh also has disability and we are working on life but that is it. Can anyone recommend any companies they like or those to avoid? I'm planning on getting at least three quotes, maybe more. Should I just go for home owners or should I try to bundle in car? Do I need umbrella coverage too?
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Home owners insurance
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We had State Farm in SoFla and they were fantastic when Hurricane Andrew destroyed our home. But that was 20yrs ago and they haven't issued hurricane coverage since.
Definitely a BIG YES on the umbrella policy.Wife and #1 Fan of Attending Adult & Geriatric Psychiatrist.
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Definitely try to bundle your policies. You'll get the biggest price breaks that way.
We've had the best luck with local insurers. The agents have had offices in our towns/cities and were VERY responsive.
Definitely know your current coverage and give them all the info to minimize the back and forth and so you get an accurate quote.
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We have Liberty Mutual for everything. We had a difficult (we thought) claim when movers stole our coats, watches, etc and wouldn't admit to it, and LM covered the claim very easily. We haven't had another major claim (fortunately), but my parents had a pipe burst while they were away for two weeks, and the covered repairs to the entire house fairly painlessly, as much as insurance can be.-Deb
Wife to EP, just trying to keep up with my FOUR busy kids!
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We have AAA: very good customer service and policy options/pricing.
We bundled our cars with the house as well.
Sent from my iPhone using TapatalkWife to Family Medicine attending, Mom to DS1 and DS2
Professional Relocation Specialist &
"The Official IMSN Enabler"
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Chiming in a bit late but our homeowner's is through Allstate and the one experience I've had with them was atrocious. I had to file a claim with them last year when our hot water heater cracked and it was quite possibly the worse customer service experience I've ever had. I don't plan on renewing with them this year, even though we get a good bundled rate with our car insurance too.Wife of a surgical fellow; Mom to a busy toddler girl and 5 furballs (2 cats, 3 dogs)
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My PSA about home warranties: If you can get the seller to buy it, great! But keep an emergency fund, because there are often hidden exclusions on the really expensive stuff. Our HVAC exclusion was at the end of a totally unrelated paragraph. I read that book several times before calling the company to tell me where it was listed.Laurie
My team: DH (anesthesiologist), DS (9), DD (8)
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