wagner Posted March 23, 2011 Report Share Posted March 23, 2011 We are working on getting this home buying thing done. Now we are on the insurance portion of the show, and I must say this sucks. Who do you use and why? So far I am not happy with the quotes I am getting. Nationewide had the cheapest homeowners if we moved our car to them, but the cranked my car insuracne up by $100 a month so it is a wash. Quote Link to comment Share on other sites More sharing options...
Sully Posted March 23, 2011 Report Share Posted March 23, 2011 How much is the house you are buying and what kind of quotes are you getting? Quote Link to comment Share on other sites More sharing options...
Snowflake Posted March 23, 2011 Report Share Posted March 23, 2011 Allstate has done us OK with the house and 3 cars. Quote Link to comment Share on other sites More sharing options...
wagner Posted March 23, 2011 Author Report Share Posted March 23, 2011 How much is the house you are buying and what kind of quotes are you getting? 90k selling price, and the quotes are in the $600 range for the house. Right now we are paying around $118 for all 3 cars and full coverage. Quote Link to comment Share on other sites More sharing options...
datsunissan28 Posted March 23, 2011 Report Share Posted March 23, 2011 Who do you use and why? So far I am not happy with the quotes I am getting. Nationewide had the cheapest homeowners if we moved our car to them, but the cranked my car insuracne up by $100 a month so it is a wash. Nationwide is supposed to be dropping all their auto rates by 10% in the next month or so. Also if you join the Ohio Farm Bureau, its another good percentage off all policies considering its around $45/year to join. For home owners make sure you're comparing the like to like. For the Nationwide Ohio policy its now mandatory that it includes ordinance and law coverage (covers code compliance issues) and matching (ex: if only one side of your old siding is damaged and you can no longer find a match, they'll pay extra to have a match made or for all the siding). Most all insurance carriers offer these, but most you have to pay additional premiums for. Quote Link to comment Share on other sites More sharing options...
Sully Posted March 23, 2011 Report Share Posted March 23, 2011 90k selling price, and the quotes are in the $600 range for the house. Right now we are paying around $118 for all 3 cars and full coverage. Now that I think about it, I didn't ask the right question. What I should have asked was, how much are they saying replacement cost is for the house? And what's the value they are using for personal property? That's a couple of the main things they use to calculate the premium. Quote Link to comment Share on other sites More sharing options...
wagner Posted March 23, 2011 Author Report Share Posted March 23, 2011 Now that I think about it, I didn't ask the right question. What I should have asked was, how much are they saying replacement cost is for the house? And what's the value they are using for personal property? That's a couple of the main things they use to calculate the premium. Progressive I want to say was like 175k for the house Nationwide was 140k Personal property I do not recall, but they were similar. Quote Link to comment Share on other sites More sharing options...
MrMeanGreen Posted March 23, 2011 Report Share Posted March 23, 2011 Check text. Quote Link to comment Share on other sites More sharing options...
evan9381 Posted March 23, 2011 Report Share Posted March 23, 2011 856-2600 ask for alissa and tell her evan wyant sent you...its state farm, rich courter is the agent, but shes who i always deal with...shes simply awesome and saved me, my brother, and my dad a shit ton of money from what we were paying Quote Link to comment Share on other sites More sharing options...
Bam Posted March 23, 2011 Report Share Posted March 23, 2011 I have Progressive for my cars and Ohio Casualty for my house. It just works out that way to be cheaper, no idea why. Progressive was ridiculous on home owners insurance for some reason, same with majority of the other companies I called. Quote Link to comment Share on other sites More sharing options...
schmuckingham Posted March 23, 2011 Report Share Posted March 23, 2011 Wagz I have a guy that my fiance and I use for everything. I can give you his info through PM if you want Quote Link to comment Share on other sites More sharing options...
wagner Posted March 23, 2011 Author Report Share Posted March 23, 2011 Wagz I have a guy that my fiance and I use for everything. I can give you his info through PM if you want Send it, but no nudes this time please. Quote Link to comment Share on other sites More sharing options...
schmuckingham Posted March 23, 2011 Report Share Posted March 23, 2011 Send it, but no nudes this time please. FINE! Quote Link to comment Share on other sites More sharing options...
Buck531 Posted March 23, 2011 Report Share Posted March 23, 2011 I have Grange for like 5 or so years now. I'm paying $88 for both cars, full coverage and I think insurance on the house is like $500 something a year. Quote Link to comment Share on other sites More sharing options...
mrs.cos Posted March 23, 2011 Report Share Posted March 23, 2011 We use Cincinnati Insurance. We talked to quite a few body shops, and asked who worked the best with them, when getting enthusiest cars taken care of. (Specificly talked to Dan at Achbach, and a few guys at rifes in grandview) We also have neighbors who have them as well. ANYtime there has been hail damage in my neighborhood and people had them, they came out and wrote a check, no questions asked. Progressive, Nationwide, all screwed us with hail damage, and now my roof and siding BOTH have hail damage that neither would fix. (nationwide at least offered to PAINT MY SWINGSET We have them for Home and Auto now. They are a LITTLE pricy (maybe 100 bucks a year more, but for peace of mind knowing that my cars and my house will BOTH be fixed if there is an issue and to my standards makes me comfortable with the 100) I think Lisa is usually who we talk to. Black & Associates Insurance, 555 Metro Place N # 200 Dublin, OH 43017-1305 map Columbus, OH Metro Area Quote Link to comment Share on other sites More sharing options...
Akula Posted March 23, 2011 Report Share Posted March 23, 2011 We use State Farm, have everything with them. Honestly, I don't know what it cost but I have some add-on policies that were basically free and elsewhere it was hyper expensive. Quote Link to comment Share on other sites More sharing options...
Buck531 Posted March 23, 2011 Report Share Posted March 23, 2011 We use State Farm, have everything with them. Honestly, I don't know what it cost but I have some add-on policies that were basically free and elsewhere it was hyper expensive. HURRY UP.. SAY THE JINGLE! Quote Link to comment Share on other sites More sharing options...
evan9381 Posted March 23, 2011 Report Share Posted March 23, 2011 i should add...i think insurance on my house (80k house, like $150 replacement) is like $730/yr, and for my 98 explorer and 02 rio for everything but collision (i think thats the one that covers my car if i crash into someone...since they're worth so little i dropped it) is $78/mo, but i am 25 and had a crappier record earlier in life, but the last 3-4 years ive been clear...its just been going down every time it renews, and i guess since im at 3 years clear i'll get some other discount this year when it renews. Quote Link to comment Share on other sites More sharing options...
KillJoy Posted March 23, 2011 Report Share Posted March 23, 2011 All I can say is this: We use Allstate. We have: Homeowners Car x 2 Motorcycle x 1 Life Insurance Life Insurance (child) We "get" a large discount due to multiple policies. However, we have not shopped around for better rates. KillJoy Quote Link to comment Share on other sites More sharing options...
Bam Posted March 23, 2011 Report Share Posted March 23, 2011 i should add...i think insurance on my house (80k house, like $150 replacement) is like $730/yr, and for my 98 explorer and 02 rio for everything but collision (i think thats the one that covers my car if i crash into someone...since they're worth so little i dropped it) is $78/mo, but i am 25 and had a crappier record earlier in life, but the last 3-4 years ive been clear...its just been going down every time it renews, and i guess since im at 3 years clear i'll get some other discount this year when it renews. I'll echo this format.... My house ($140k, w/ $220k replacement) and $100k for personal belongings is $610/year, and we insure 2 cars and 2 drivers, one w/ 6 points, full coverage w/ $500k liability and its $88/month. Quote Link to comment Share on other sites More sharing options...
AJ Posted March 23, 2011 Report Share Posted March 23, 2011 erie insurance. full coverage on the TBSS and CTS-V $144/mo. we pay for 9 months out of the year. $210k house $343,000 dwelling replacement $257,000 personal property $703/yr paid from escrow BURREY INSURANCE AGENCY, INC. 16 VILLAGE POINTE DRIVE POWELL, OH 43065-7760 Phone: (614)717-0017 Fax: (614)717-0015 Toll Free: (888)865-9446 Quote Link to comment Share on other sites More sharing options...
AJ Posted March 23, 2011 Report Share Posted March 23, 2011 p.s. ashley said we told you to call. if you get insurance through them let use know and i'll pm you names. Quote Link to comment Share on other sites More sharing options...
Flyin Miata Posted March 23, 2011 Report Share Posted March 23, 2011 Not sure how other companies work, but I work at Progressive and we don't actually underwrite the home insurance or renter's policies. They use two companies, Homesite and another that I can't recall. But we are essentially a middleman, and the only benefit is you get a discount for having more than one policy "through" Progressive. They seem to be moving toward wanting to actually underwrite home policies, but that might not happen for a while. Not sure how our rates compare since I work mostly with auto policies, but it's worth checking out if you already have auto insurance through them. Quote Link to comment Share on other sites More sharing options...
6 Speed S4 Posted March 23, 2011 Report Share Posted March 23, 2011 Well I don't own a home yet so I can't fill in on that. For vehicle insurance the S4 by itself through Geico is $784 a year full coverage.Geico was my cheapest option after looking every where. Quote Link to comment Share on other sites More sharing options...
russian rocket Posted March 23, 2011 Report Share Posted March 23, 2011 i have farmers because they are the only ones that allow pitbulls, but that comes with a hefty price, i pay 1000 a year for 350k coverage Quote Link to comment Share on other sites More sharing options...
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