Need help obtaining homeowners insurance for Poway / Scripps Ranch area

[cabal]

[quote=Raybyrnes]Cabal
“My experience with Travelers so far has been great.”

Cabal I want you to qualify this statement for me. Have you had any claims with Travelers. Why is your experience with Travelers great?

Is it a that the coverage and service has been great or are you simply happy with the current premium vs the old premium and have your fingers crossed that service will be equal with both companies?[/quote]

I’ve had one claim with Travelers associated with the 2007 fires and none with the previous carrier. Damage was mostly collateral – smoke, half inch of ash everywhere, broken fence, snapped trees and thrashed landscaping. Initially, I didn’t file a claim, repaired the fence myself one weekend, vacuumed the pool / drain water / clean filter another weekend. After 2 weeks I threw in the towel as there was still tons of ash in the yard, roof, garage and attic, plus all the landscape damage.

I called on a weekday and 2 adjusters showed up the next day. I wasn’t home, so my wife showed them the house. My deductible was high, so I was just hoping for a few bucks to buy windex, a mop, and some plants from Home Depot. When I came home that night, there was a check sitting on my kitchen table large enough to buy a car. When policy renewal approached, I was expecting a cancellation notice. Instead, I received a renewal offer with a decrease to the premium. I couldn’t believe it – did I accidentally blow the CEO of Travelers or what?

[Anonymous]

I would have the agent put in writing that your house is 100% accepted (especially since they made you switch all your cars too).
Most insurance companies have their inspectors go out AFTER the policy goes in force. If the inspector feels your home is worth more than $999,000, they will increase the home’s coverage making it an “upper limit” home. This may cause the home to decline.
This trick doesn’t work. My sister is a Farmers Agent in Texas and she has seen this “trick” fail many times.
Good luck.

[Anonymous]

I would have the agent put in writing that your house is 100% accepted (especially since they made you switch all your cars too).
Most insurance companies have their inspectors go out AFTER the policy goes in force. If the inspector feels your home is worth more than $999,000, they will increase the home’s coverage making it an “upper limit” home. This may cause the home to decline.
This trick doesn’t work. My sister is a Farmers Agent in Texas and she has seen this “trick” fail many times.
Good luck.

[Anonymous]

I would have the agent put in writing that your house is 100% accepted (especially since they made you switch all your cars too).
Most insurance companies have their inspectors go out AFTER the policy goes in force. If the inspector feels your home is worth more than $999,000, they will increase the home’s coverage making it an “upper limit” home. This may cause the home to decline.
This trick doesn’t work. My sister is a Farmers Agent in Texas and she has seen this “trick” fail many times.
Good luck.

[Anonymous]

I would have the agent put in writing that your house is 100% accepted (especially since they made you switch all your cars too).
Most insurance companies have their inspectors go out AFTER the policy goes in force. If the inspector feels your home is worth more than $999,000, they will increase the home’s coverage making it an “upper limit” home. This may cause the home to decline.
This trick doesn’t work. My sister is a Farmers Agent in Texas and she has seen this “trick” fail many times.
Good luck.

[Anonymous]

I would have the agent put in writing that your house is 100% accepted (especially since they made you switch all your cars too).
Most insurance companies have their inspectors go out AFTER the policy goes in force. If the inspector feels your home is worth more than $999,000, they will increase the home’s coverage making it an “upper limit” home. This may cause the home to decline.
This trick doesn’t work. My sister is a Farmers Agent in Texas and she has seen this “trick” fail many times.
Good luck.

[Anonymous]

Good Honest Company that has helped me with my hard to place insurance: http://www.fast2insure.com

[Anonymous]

Good Honest Company that has helped me with my hard to place insurance: http://www.fast2insure.com

[Anonymous]

Good Honest Company that has helped me with my hard to place insurance: http://www.fast2insure.com

[Anonymous]

Good Honest Company that has helped me with my hard to place insurance: http://www.fast2insure.com

[Anonymous]

Good Honest Company that has helped me with my hard to place insurance: http://www.fast2insure.com

[Raybyrnes]

Homes are only insured for the replacement cost of the home. Most of the value in homes are tied to the land. So while your home may be worth 1 million plus to sell or buy it would not be insured for that amount. If it is a 3000 square foot home, it would probably be insured at about 100 to 150 per square foot to rebuild. or 300 to 450K max. That would include such items as Debris removal, REntal Home etc. Property contents are typically insured for a % plus any riders for things such as expensive rugs, gun collections, jewelery etc.

With respect to having to insure the care with Farmers I am going to raise the Bull shit flag. There is nothing that would require this. It may make sense because you are eligible for a multi line discount. If you are underinsured on your life, that too would provide you with additional discounts. But it pays to shop around if you know what you are doing. If you have a good driving record and your cars are not exotic in nature I suggest getting a quote from Wawanesa or Amica,

[Raybyrnes]

Homes are only insured for the replacement cost of the home. Most of the value in homes are tied to the land. So while your home may be worth 1 million plus to sell or buy it would not be insured for that amount. If it is a 3000 square foot home, it would probably be insured at about 100 to 150 per square foot to rebuild. or 300 to 450K max. That would include such items as Debris removal, REntal Home etc. Property contents are typically insured for a % plus any riders for things such as expensive rugs, gun collections, jewelery etc.

With respect to having to insure the care with Farmers I am going to raise the Bull shit flag. There is nothing that would require this. It may make sense because you are eligible for a multi line discount. If you are underinsured on your life, that too would provide you with additional discounts. But it pays to shop around if you know what you are doing. If you have a good driving record and your cars are not exotic in nature I suggest getting a quote from Wawanesa or Amica,

[Raybyrnes]

Homes are only insured for the replacement cost of the home. Most of the value in homes are tied to the land. So while your home may be worth 1 million plus to sell or buy it would not be insured for that amount. If it is a 3000 square foot home, it would probably be insured at about 100 to 150 per square foot to rebuild. or 300 to 450K max. That would include such items as Debris removal, REntal Home etc. Property contents are typically insured for a % plus any riders for things such as expensive rugs, gun collections, jewelery etc.

With respect to having to insure the care with Farmers I am going to raise the Bull shit flag. There is nothing that would require this. It may make sense because you are eligible for a multi line discount. If you are underinsured on your life, that too would provide you with additional discounts. But it pays to shop around if you know what you are doing. If you have a good driving record and your cars are not exotic in nature I suggest getting a quote from Wawanesa or Amica,

[Raybyrnes]

Homes are only insured for the replacement cost of the home. Most of the value in homes are tied to the land. So while your home may be worth 1 million plus to sell or buy it would not be insured for that amount. If it is a 3000 square foot home, it would probably be insured at about 100 to 150 per square foot to rebuild. or 300 to 450K max. That would include such items as Debris removal, REntal Home etc. Property contents are typically insured for a % plus any riders for things such as expensive rugs, gun collections, jewelery etc.

With respect to having to insure the care with Farmers I am going to raise the Bull shit flag. There is nothing that would require this. It may make sense because you are eligible for a multi line discount. If you are underinsured on your life, that too would provide you with additional discounts. But it pays to shop around if you know what you are doing. If you have a good driving record and your cars are not exotic in nature I suggest getting a quote from Wawanesa or Amica,

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