When I lived in CA, Costco was the cheapest, but the moment I moved to TX my rates went up right away and were no longer competitive, never mind cheaper. It’s state/region specific I guess.
But shopping around never hurts.
Homeowners Insurance Opinions
- Thread starter Lubener
- Start date
But shopping around never hurts.
JTK
$100 Site Donor 2025
Just curious why you're replacing the concrete roof. That's got to be quite the job. Standing seam metal is a great way to go though. I have a ~5yr/old standard style metal roof on my home, done by an Amish crew. I don't really have any paperwork on it, which makes it fun when the insurance companies ask.
I have been using USAA. I haven't had any claims, so I don't know how they are to deal with. My previous insurer canceled me because I had two Rottweilers. USSA said as long as they hadn't bitten anybody they didn't care.
CleanSump
Site Donor 2026
I have Progressive bundled car and home. The home isn't Progressive though; it's Nationwide teamed with Progressive. And yes, the home insurance jumped but the car insurance didn't. Thinking of seeing what USAA and Navy Fed. offer.
JTK
$100 Site Donor 2025
Now that you mention it, same here. My car premiums went down a bit. I've had Allstate for a year. My homeowner's is through NY Central Mutual, which I've had for 3-4 yrs.
I had three vehicles and an umbrella with Progressive for 25 years and home owners insurance with another company because Progressive will only insure homes for market value in Michigan. They won’t do replacement cost. Progressive also wanted to double what I was paying for the umbrella.
I was able to bundle all three with Auto Owners. I got more and better coverage, and saved about $1500 per year. In the bargain, I got a great agent instead of the idiots I was always dealing with on the phone at Progressive.
I was able to bundle all three with Auto Owners. I got more and better coverage, and saved about $1500 per year. In the bargain, I got a great agent instead of the idiots I was always dealing with on the phone at Progressive.
Geico used to use them to issue their homeowner policies but switched to some other underwriter this past year.
Have a great broker and he calls at every renewal (auto and home are different renewal dates), and we talk twice a year. I am still with the same homeowners even though the rates went up $600 a year. Their increase was still far less than the increases from all the other carriers they deal with (including all the big ones on TV) due to rising costs of replacement. He always shops different companies for me and gives me the percentages of rates each one has. They are very good and take the time to explain everything to me, like how all insurance companies have insurance on themselves (reinsurance) and how the cost they pay gets extremely high when they get close to max payout for a major claim event (fire, hurricane, flood etc.) or potentially overextend their underwriting. Guess who pays those costs? And the advertising costs for Jake, Flo and big flightless bird.
I'm going to lower my auto premiums by about $350 a month soon anyway. My son turns 26 and current insurer says he can no longer be on ours. He will have to get his own policy then. Great driver and no dings on CLU, but hate to see what his rates will be.
I'm going to lower my auto premiums by about $350 a month soon anyway. My son turns 26 and current insurer says he can no longer be on ours. He will have to get his own policy then. Great driver and no dings on CLU, but hate to see what his rates will be.
I am on House Insurance company number 4 in 12 years. Never had a claim - all the same - first year deal then 20% increases each year. Considered Coastal even though I am a long ways from the Coast.
I switched to Costco Connect last go. Just got renewal - 20%. Still not terrible, will keep it another year then likely have to shop again. Same game with everyone.
I switched to Costco Connect last go. Just got renewal - 20%. Still not terrible, will keep it another year then likely have to shop again. Same game with everyone.
JTK
$100 Site Donor 2025
Depending on what he drives, I would figure on ~$250/month. I work with a 25yr/old, clean driving record, etc. He pays ~$300/month for insurance on his 2021 Ram 1500 warlock.
Too late to edit.
I’ve mentioned 20 times before I have no homeowners insurance on my paid off house.
