state farm gotta pay Lebron go with a company through an independent agent, rates will be much better
I got an independent agent through Travelers. It was half of what State Farm quoted me. I did a thread about homeowners insurance a week ago: http://bbs.clutchfans.net/showthread.php?t=235446
If you have ever been to Galveston, I'm sure you've seen that big white building in downtown. It is the moody's insurance company American National. You can get a quote online through them: http://www.anpac.com/ Their rates were competitive against Travelers as I just checked them recently as I'm building a house & i'm with Travelers. Unique about American National is that if you don't have a claim in 3 years, you get a 25% dividend on your combined 1st year home & auto premiums. Good incentive to stay claim free & could likely be in the neighborhood of $ 1k if youve got two cars and a house with them.
I can't remember what I pay, but I'm pretty sure it's 450 a year. But I also don't live in a hurricane area, or a flood zone. The worst thing we've had since I've lived here here was two small earthquakes a couples years apart. I think they were like 3. somethings on the Richter scale, , and the epicenter were like 200 miles away, which meant we got a tiny bit of shaking. I'm quite sure those in Houston pay a ton less in property taxes than me, though.
that still seems kind of high. guess it depends on what kind of coverage/deductible you are getting. i use farmers and pay $130 month for homeowners and auto insurance (full coverage w/ $500 deductible) together. i live in austin, so maybe its cheaper here since we have less natural disasters than houston? we do pay pretty high property taxes here though so it balances out!
It depends on where you live. Fort Bend and most of Harris County are considered Tier 2 by every company I work with. In Tier 2 counties, you have to include the wind, and that makes it extremely expensive since we're so close to the coast. The funny thing is, if you live in Tier 1 (Galveston, Brazoria, etc.) you exclude the wind, and it makes it very affordable. Often times it's less than $700 per year. You then buy a separate wind policy through the Texas Windstorm Association (TWIA). Yes, you have 2 separate premiums to pay, but it actually comes out cheaper than having them combined in a tier 2 county. If you tell me which part of town and/or zip code, I can let you know what company is competitive in that area. We insure 2 or 3 people in Austin, and it's incredibly cheap compared to Houston (proximity to Galveston). 1 lady was paying over $2500 for her home insurance with Farmers here, and when she moved to Austin a couple years ago, I believe it went down to $400 or $500 per year. The wind/hurricane deductible is the majority of your home premium in this area.
You can do an agent search on Travelers' website. I just chose an agent that was relatively near to where I live. I was exaggerating a bit when I said it was half of what State Farm quoted me, but it was much less than what State Farm offered. So much less than when State Farm told me over the phone what my rate would be I literally LOLed because I had just got off the phone with the Travelers agent and heard their quote.
$182 a month, do not live near the coast, inner loop @ Memorial Park, new home, State Farm since 1989 when I was a teen, and my cousin is my agent and also the manager in her division. I haven't found anyone any cheaper including USAA which I am able to get if I choose. I'll pay extra knowing I'm taken care of quickly and not the cheap ass route like with most insurance companies ('Sup the General, thanks for dragging out my settlement for two years you b**** ass company for poors).
