homeowner’s insurance advice?

[briansd1]

The amount of coverage is up to you. It’s hard to come up with just the right amount of coverage, if you don’t want to overpay.

Wells Fargo Bank operates an insurance agency via Empire Fire and Marine (If i recall well).

That’s who I have my insurance with. They are substantially less than Allstate, Farmers, etc.. who have agents at the strip mall.

https://www.wellsfargo.com/insurance/property/home/

[New Guy]

Given the age of this thread, the original author may have already come to a conclusion on this issue.

That said, my recommendation is to insure appropriately if not slightly over insure. To off-set the costs, take on a higher deductible. The reality is that while people often carry $1000 deductibles, you will not use the coverage until a loss gets at above $2500 or so. See what your agent can offer at that or even a $5k deductible and retain the risk that way.

It’s better to come up with $5K in the event of a loss for a deductible instead of “worst case, I could find an extra $100K or $200K if needed to rebuild.”

[New Guy]

Given the age of this thread, the original author may have already come to a conclusion on this issue.

That said, my recommendation is to insure appropriately if not slightly over insure. To off-set the costs, take on a higher deductible. The reality is that while people often carry $1000 deductibles, you will not use the coverage until a loss gets at above $2500 or so. See what your agent can offer at that or even a $5k deductible and retain the risk that way.

It’s better to come up with $5K in the event of a loss for a deductible instead of “worst case, I could find an extra $100K or $200K if needed to rebuild.”

[New Guy]

Given the age of this thread, the original author may have already come to a conclusion on this issue.

That said, my recommendation is to insure appropriately if not slightly over insure. To off-set the costs, take on a higher deductible. The reality is that while people often carry $1000 deductibles, you will not use the coverage until a loss gets at above $2500 or so. See what your agent can offer at that or even a $5k deductible and retain the risk that way.

It’s better to come up with $5K in the event of a loss for a deductible instead of “worst case, I could find an extra $100K or $200K if needed to rebuild.”

[New Guy]

Given the age of this thread, the original author may have already come to a conclusion on this issue.

That said, my recommendation is to insure appropriately if not slightly over insure. To off-set the costs, take on a higher deductible. The reality is that while people often carry $1000 deductibles, you will not use the coverage until a loss gets at above $2500 or so. See what your agent can offer at that or even a $5k deductible and retain the risk that way.

It’s better to come up with $5K in the event of a loss for a deductible instead of “worst case, I could find an extra $100K or $200K if needed to rebuild.”

[New Guy]

Given the age of this thread, the original author may have already come to a conclusion on this issue.

That said, my recommendation is to insure appropriately if not slightly over insure. To off-set the costs, take on a higher deductible. The reality is that while people often carry $1000 deductibles, you will not use the coverage until a loss gets at above $2500 or so. See what your agent can offer at that or even a $5k deductible and retain the risk that way.

It’s better to come up with $5K in the event of a loss for a deductible instead of “worst case, I could find an extra $100K or $200K if needed to rebuild.”

[CarlsbadMtnBiker]

Your base coverage may be a little light and you also need to ensure the code upgrade (increased cost due to building laws or ordinance) coverage is truly additional insurance. Very often this 10% code upgrade coverage is included within your Cov. A limit. As mentioned by another, debris removal is usually considered additional insurance along with trees, shrubs and other plants coverage. The only way to know your accurate rebuild SF cost is to have a qualified GC bid it based on exact like, kind and quality yourself. The valuation programs used by insurance co’s can never replace this and are usually missing the data needed to be even marginally accurate.

[CarlsbadMtnBiker]

Your base coverage may be a little light and you also need to ensure the code upgrade (increased cost due to building laws or ordinance) coverage is truly additional insurance. Very often this 10% code upgrade coverage is included within your Cov. A limit. As mentioned by another, debris removal is usually considered additional insurance along with trees, shrubs and other plants coverage. The only way to know your accurate rebuild SF cost is to have a qualified GC bid it based on exact like, kind and quality yourself. The valuation programs used by insurance co’s can never replace this and are usually missing the data needed to be even marginally accurate.

[CarlsbadMtnBiker]

Your base coverage may be a little light and you also need to ensure the code upgrade (increased cost due to building laws or ordinance) coverage is truly additional insurance. Very often this 10% code upgrade coverage is included within your Cov. A limit. As mentioned by another, debris removal is usually considered additional insurance along with trees, shrubs and other plants coverage. The only way to know your accurate rebuild SF cost is to have a qualified GC bid it based on exact like, kind and quality yourself. The valuation programs used by insurance co’s can never replace this and are usually missing the data needed to be even marginally accurate.

[CarlsbadMtnBiker]

Your base coverage may be a little light and you also need to ensure the code upgrade (increased cost due to building laws or ordinance) coverage is truly additional insurance. Very often this 10% code upgrade coverage is included within your Cov. A limit. As mentioned by another, debris removal is usually considered additional insurance along with trees, shrubs and other plants coverage. The only way to know your accurate rebuild SF cost is to have a qualified GC bid it based on exact like, kind and quality yourself. The valuation programs used by insurance co’s can never replace this and are usually missing the data needed to be even marginally accurate.

[CarlsbadMtnBiker]

Your base coverage may be a little light and you also need to ensure the code upgrade (increased cost due to building laws or ordinance) coverage is truly additional insurance. Very often this 10% code upgrade coverage is included within your Cov. A limit. As mentioned by another, debris removal is usually considered additional insurance along with trees, shrubs and other plants coverage. The only way to know your accurate rebuild SF cost is to have a qualified GC bid it based on exact like, kind and quality yourself. The valuation programs used by insurance co’s can never replace this and are usually missing the data needed to be even marginally accurate.

[Anonymous]

Most real home owners have struggled to hold on, but real estate crash has also taken its toll on the economy. This has made it difficult to impossible for many people to keep up. homeowners insurance online clermont

[Anonymous]

Most real home owners have struggled to hold on, but real estate crash has also taken its toll on the economy. This has made it difficult to impossible for many people to keep up. homeowners insurance online clermont

[Anonymous]

Most real home owners have struggled to hold on, but real estate crash has also taken its toll on the economy. This has made it difficult to impossible for many people to keep up. homeowners insurance online clermont

[Anonymous]

Most real home owners have struggled to hold on, but real estate crash has also taken its toll on the economy. This has made it difficult to impossible for many people to keep up. homeowners insurance online clermont

[Author]

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