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.
It all depends on your local market, credit rating, and your claim records. Sometimes I found that the more expensive to most options tend to be cheaper for me. Often times it is cheaper to split up auto and home.
Currently AAA is the cheapest combine (because many exit the California home insurance market due to some rules and risks). I didn't pick them for the cheapest, but they do have the biggest amount of umbrella I can buy, like, 5M.
Currently AAA is the cheapest combine (because many exit the California home insurance market due to some rules and risks). I didn't pick them for the cheapest, but they do have the biggest amount of umbrella I can buy, like, 5M.
Shopping around every year or two is needed to maintain the best rates...my loyalty is to no one. Use a broker for sure. A change that has occurred across multiple carriers the past couple of years is large increases in the wind/hail deductible. Standard is now 1% and often 2% of total coverage. I am relocating and therefore just signed up for a new policy with USAA. I had them quote me on my current house a couple of years ago and they weren't competitive, but now on the new place they are giving me great coverage at a low price. Go figure.
- Joined
- Sep 6, 2021
- Messages
- 9
>
This topic is very timely, with me at least. My auto & home policy comes up for
renewal in November 2026. I am dissatisfied with my current company and will
definitely shop around. Their customer service has been horrible ! I have filed
no claims, do not live near the coast, seismic area, high wind area or in a flood
zone. I typically have a high deductible on my home in an effort to reduce the
premium. My vehicle is 14+ years old and paid off, so I just carry the minimum
liability coverage.
An Observation: When I took out my home policy with this current insurance
company, the insurance representative on the telephone call gave me information
that I did not previously provide to them, which lead \ leads me to believe that
there is an insurance company web site that all insurance companies use to check \
compare prices with each other ( i.e. - this sounds like collusion to me ).
The idea of using an insurance broker is VERY appealing. I am new to this concept,
so I respectfully request more information as to how to find one \ some in my area.
Thanks for any input !
I know nothing about the OP ( i.e.- Allstate ), so I'll only say that I personally would
avoid using the majority of the "big name \ big advertising" companies like the
plague \ "planned-demic" \ flu.
IMO, I think that it is VERY prudent to shop policies every single year.
<
This topic is very timely, with me at least. My auto & home policy comes up for
renewal in November 2026. I am dissatisfied with my current company and will
definitely shop around. Their customer service has been horrible ! I have filed
no claims, do not live near the coast, seismic area, high wind area or in a flood
zone. I typically have a high deductible on my home in an effort to reduce the
premium. My vehicle is 14+ years old and paid off, so I just carry the minimum
liability coverage.
An Observation: When I took out my home policy with this current insurance
company, the insurance representative on the telephone call gave me information
that I did not previously provide to them, which lead \ leads me to believe that
there is an insurance company web site that all insurance companies use to check \
compare prices with each other ( i.e. - this sounds like collusion to me ).
The idea of using an insurance broker is VERY appealing. I am new to this concept,
so I respectfully request more information as to how to find one \ some in my area.
Thanks for any input !
I know nothing about the OP ( i.e.- Allstate ), so I'll only say that I personally would
avoid using the majority of the "big name \ big advertising" companies like the
plague \ "planned-demic" \ flu.
IMO, I think that it is VERY prudent to shop policies every single year.
<
I trust no one. I search for rates on my own and it’s already easy to do with a home computer.
Once I have rates, sure, of course give a broker a try to and see what they can do.
One other thing that may be some people are not aware of. You do not have to wait until renewal time to change insurers. In the past almost 20 years anytime I find a better rate I switch. I have switched company sometimes only two months into a new policy you will get refunded by the company you just dumped for the unused months.
We must remember insurance companies are state regulated, so your experience can be different. Make sure there’s no clause locking you in for a year. Not that I ever heard anything like that and not that I have checked because I can’t tell you how many times I dropped the policy in the middle of the term and switched to another company. Unused months from the previous company gets refunded to you.
I think people in general overthink insurance.
For some reason, they feel obligated or loyal to an insurance company. I’m not sure why. It’s just a product no different from when you decide to put gasoline in your car.
I also switched to NJM and saved a boatload of coin with better coverage.
I bundle auto and home.
I have my broker check rates every year.
Past 6 years, USAA to Progressive and now National General.
I have my broker check rates every year.
Past 6 years, USAA to Progressive and now National General.
