That or find an independent agent. They can shop around for the best deal. My Allstate guy writes homeowners policies with a bunch of different companies, as Allstate, like most of the major insurers, don’t directly write policies in Florida because of loss potential. However, they have to underwrite all insurance lines to work in the state, so they create subsidiaries that can underwrite homeowner’s policies here in order to sell other forms of insurance. That way when a major event occurs it doesn’t ding the main company.
I really miss the cheap auto insurance of the Midwest. For what I paid for all my cars there I can only cover one car here, if that. -D > On Aug 22, 2020, at 9:35 AM, Kaleb Striplin via Mercedes > <mercedes@okiebenz.com> wrote: > > Damn. But our car insurance it a lot cheaper. > > I think what I might do is do some pricing online then actually go to an > agent and see what they can do for everything. > > Sent from my iPhone > >> On Aug 22, 2020, at 8:33 AM, Dan Penoff via Mercedes <mercedes@okiebenz.com> >> wrote: >> >> Beats me. Down here a lot of the cost is related to the type and age of >> construction. For example, replacing a roof and bringing it up to current >> code made a $400 reduction in premiums at my former house. I think the >> insurance was around $1800 and dropped to $1400 when we replaced the roof. >> >> -D >> >>> On Aug 22, 2020, at 9:25 AM, Kaleb Striplin via Mercedes >>> <mercedes@okiebenz.com> wrote: >>> >>> That is amazing you would think home insurance would be way more expensive >>> there. The currently policy with USAA is $3300 with a $2500 deductible and >>> they are valuing house at $275k. Replacement cost anyway. When it renewed >>> next month it looks like it’s going up to about $4300. 5 years ago it was >>> something like a little over $2k. Wtf? >>> >>> Sent from my iPhone >>> >>>>> On Aug 22, 2020, at 7:40 AM, Dan Penoff via Mercedes >>>>> <mercedes@okiebenz.com> wrote: >>>> >>>> I can’t compare home insurance here because of the hurricane stuff, but >>>> to give you an idea of scale, I’ve got a 2500 SF 20 year old home with a >>>> three car garage and pool, and I pay $1600/year. That’s with a $500 >>>> deductible except for hurricane (wind) damage, which has a $5000 >>>> deductible, I believe. >>>> >>>> Car insurance in Florida is a screw no matter how you look at it, mainly >>>> because we have no-fault. We’re not as bad as Michigan (sorry, Mitch!) but >>>> we’re in the top ten most expensive states to insure a car. I pay about >>>> $4000/year for three cars, two of which have full coverage on them - I >>>> don’t have collision on the beater ML500. >>>> >>>> We were customers of State Farm since before we were married, totaling 32 >>>> years of business. One of our friends here in Florida was our agent for >>>> years. When we returned to the state in 2012 we had a teenager, and that >>>> coupled with rising rates and massive insurance fraud had State Farm >>>> charging us almost $9k/year to insure three vehicles. >>>> >>>> Our friend/agent told us it was because “Things have gotten a lot worse >>>> down here since you left.” I started shopping, as there was no way I was >>>> going to pay close to $10k/year to insure our cars. Allstate was the most >>>> reasonable of the big insurers, so we went with them for like $4500/year >>>> (remember, I had a 16 year old driver in the house.) >>>> >>>> I called our friend/agent to tell her we were canceling our policy with >>>> State Farm after 32 years, and she was like, “Well, you should have told >>>> me! We’ll sharpen our pencils and see if we can get you a better deal.” >>>> >>>> “Nope. After 32 years, if you couldn’t give us your best deal up front, we >>>> don’t want to do business with you or State Farm. Good day.” >>>> >>>> We even pulled some life insurance away from her, which is difficult to do >>>> with State Farm. Had it transferred to another agent closer to home that >>>> we didn’t know. That was our final FU to her for screwing us. >>>> >>>> Allstate has done well for us, paid off quickly and fairly when we’ve had >>>> claims, and since they have some sort of interest in Hagerty they can even >>>> write policies for my old stuff at a very competitive rate. >>>> >>>> -D >>>> >>>> >>>> >>>> >>>>> On Aug 22, 2020, at 6:02 AM, Dimitri Seretakis via Mercedes >>>>> <mercedes@okiebenz.com> wrote: >>>>> >>>>> I have houses insured with State Farm and Liberty Mutual. State Farm is >>>>> cheaper and easier to deal with but I never had a claim with either so I >>>>> can’t speak for which company is actually better. >>>>> >>>>> Sent from my iPhone >>>>> >>>>>>> On Aug 21, 2020, at 11:13 PM, Kaleb Striplin via Mercedes >>>>>>> <mercedes@okiebenz.com> wrote: >>>>>> >>>>>> I ran a couple of online quotes and cheapest I came up with so far was >>>>>> Liberty Mutual. It was around $600-$1k cheaper depending on deductible. >>>>>> I have not tried State Farm yet. The problem is USAA and all these >>>>>> others put a rebuild value WAY higher than what we paid and what I >>>>>> figure the actual house is worth/would actually cost to replace. >>>>>> >>>>>>> On 8/21/2020 10:10 PM, Dimitri Seretakis wrote: >>>>>>> 4K is outrageous. Try State Farm. >>>>>>> >>>>>>> Sent from my iPhone >>>>>>> >>>>>>>>> On Aug 21, 2020, at 10:08 PM, Kaleb Striplin via Mercedes >>>>>>>>> <mercedes@okiebenz.com> wrote: >>>>>>>> >>>>>>>> I have all of my insurance thru USAA, 2 houses, 4-5 cars etc. The >>>>>>>> insurance for our primary house is escrowed and I have not checked on >>>>>>>> it in a while. At one point both houses were around the same amount >>>>>>>> per year, low to mid $2k range. I just checked the policy online and >>>>>>>> was shocked I am now being charged over $4k for the main house now. >>>>>>>> The rental is still around $2.5k. This seems out of control and has >>>>>>>> now prompted me to start shopping. Anybody have a recommendation for >>>>>>>> homeowners insurance and/or auto? I always thought USAA was the >>>>>>>> cheapest as well as the best. >>>>>>>> >>>>>>>> >>>>>>>> _______________________________________ >>>>>>>> http://www.okiebenz.com >>>>>>>> >>>>>>>> To search list archives http://www.okiebenz.com/archive/ >>>>>>>> >>>>>>>> To Unsubscribe or change delivery options go to: >>>>>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>>>>>> >>>>>> >>>>>> _______________________________________ >>>>>> http://www.okiebenz.com >>>>>> >>>>>> To search list archives http://www.okiebenz.com/archive/ >>>>>> >>>>>> To Unsubscribe or change delivery options go to: >>>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>>>> >>>>> >>>>> >>>>> _______________________________________ >>>>> http://www.okiebenz.com >>>>> >>>>> To search list archives http://www.okiebenz.com/archive/ >>>>> >>>>> To Unsubscribe or change delivery options go to: >>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>>> >>>> >>>> >>>> _______________________________________ >>>> http://www.okiebenz.com >>>> >>>> To search list archives http://www.okiebenz.com/archive/ >>>> >>>> To Unsubscribe or change delivery options go to: >>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>> >>> >>> >>> _______________________________________ >>> http://www.okiebenz.com >>> >>> To search list archives http://www.okiebenz.com/archive/ >>> >>> To Unsubscribe or change delivery options go to: >>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>> >> >> >> _______________________________________ >> http://www.okiebenz.com >> >> To search list archives http://www.okiebenz.com/archive/ >> >> To Unsubscribe or change delivery options go to: >> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >> > > > _______________________________________ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > _______________________________________ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
