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
