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Joined: Jun 2004
Posts: 34,175
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,175 |
Also, do not be under-Insured.
A half burned house can often times cost way more than the cost of a similar home new.
You will have smoke damage, water damage, fire damage, all will have to be removed before the new construction can even begin. Very costly.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Jun 2004
Posts: 34,175
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,175 |
And do t forget about code violations and upgrades.
Tearing apart a fire or water damaged house will often times find wiring and plumbing that no longer meets code. If these have to be dealt with due to the damage, the electrician and the plumber must put this back to code, make sure the policy pays for this and whatever the general contractor has to do to accommodate the change. It can cost a bunch.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Jul 2005
Posts: 12,523
Campfire Outfitter
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Campfire Outfitter
Joined: Jul 2005
Posts: 12,523 |
Dad always used MFA/Shelter insurance, as long as I knew him. Dad was notoriously cheap, too. Lots of Missouri farmers have no choice but to be cheapskates, and MFA had the best rates. Dad used them until he gave up his driver's license at 85 years old.
I can only think of one time he had a claim, maybe two. The old barn got hit by lightning one stormy night and burned to the ground, and another time when soybeans caught fire in the old combine and burned it up. No problems with MFA. Dad knew the agent real well, though, it's a small town. Having a personal relationship with the agent is never a bad idea, they can help grease the way when/if necessary.
You can roll a turd in peanuts, dip it in chocolate, and it still ain't no damn Baby Ruth.
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Joined: Jun 2004
Posts: 34,175
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,175 |
True, it’s much easier to have a local agent, a real face, then an internet company like GEICO, or Progressive.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Oct 2002
Posts: 9,997
Campfire Outfitter
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Campfire Outfitter
Joined: Oct 2002
Posts: 9,997 |
We installed high impact shingles the last time we had roof damage from hail. State Farm covered the repairs including the depreciated cost minus my deductible. We had to pay for the upgrade on the shingles, but it paid for itself in less than 2 years. It is a flat 25% discount on top of all the other discounts we get.
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Joined: Dec 2007
Posts: 16,132
Campfire Ranger
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Campfire Ranger
Joined: Dec 2007
Posts: 16,132 |
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Joined: Jan 2012
Posts: 66,978
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2012
Posts: 66,978 |
Shop around all you want.
I am with Farm Bureau. Simply adjusting your deductible can help a lot.
I would do my own repairs anyway, me and the wife built this place from the footings up.
Difference between a $200 deductible and having a $5000 deductible was $640 on the annual.
Insurance is for catastrophic loss anyway, it’s not for you to file little dickie $400 claims for the gas grill melting a 2ft square of your trailer house vinyl siding.
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Joined: Sep 2017
Posts: 4,371
Campfire Tracker
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Campfire Tracker
Joined: Sep 2017
Posts: 4,371 |
I would tell you to get yourself the the public library and check out the March ‘23, September’23 and November ‘23 issues of Consumer Reports for homeowners and automotive insurance. They rate them all in a side by side comparison. As a group, I do see that USAA is rated #1 overall in the back issues that I have. Dad was in the state guard and I’m not sure that qualifies, but the wife’s dad was with Patton’s tank destroyers so that should get us in for a look. Guess my own going commando once in a while won’t qualify.
My other auto is a .45
The bitterness of poor quality is remembered long after the sweetness of low price has faded from memory
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Joined: Jun 2004
Posts: 34,175
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,175 |
I would tell you to get yourself the the public library and check out the March ‘23, September’23 and November ‘23 issues of Consumer Reports for homeowners and automotive insurance. They rate them all in a side by side comparison. As a group, I do see that USAA is rated #1 overall in the back issues that I have. Dad was in the state guard and I’m not sure that qualifies, but the wife’s dad was with Patton tank destroyers so that should get us in for a look. Guess my own going commando once in a while won’t qualify. If using a family member to quality that family member must had had USAA as well. My father-in -law was in WWII, he had State Farm his whole life, because he did not have USAA, my wife could not qualify for USAA.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Sep 2017
Posts: 4,371
Campfire Tracker
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Campfire Tracker
Joined: Sep 2017
Posts: 4,371 |
Bummer, they sure don’t tell you that in the advertising. Lots of other choices out there though.
American Family seems to be fine for us on the cars and house, but they don’t give a bundle discount for a vehicle and rental property. Allstate does, so I have the truck and rentals with them. Florida was a whole nuther thing as there were only two insurance companies that would cover places down there due to the hurricane potential. Even then the premiums were horrendous.
My other auto is a .45
The bitterness of poor quality is remembered long after the sweetness of low price has faded from memory
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Joined: Dec 2005
Posts: 7,014
Campfire Tracker
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Campfire Tracker
Joined: Dec 2005
Posts: 7,014 |
I use Cornerstone Ins, they are in Columbia. I pay ridiculously low auto rates and claims have been painless.
$$$ TRUMP AT THE PUMP 2024 $$$
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Joined: Jun 2004
Posts: 34,175
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,175 |
I use Cornerstone Ins, they are in Columbia. I pay ridiculously low auto rates and claims have been painless. I didn’t know the Columbian Cartel sold insurance.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Oct 2023
Posts: 38
Campfire Greenhorn
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Campfire Greenhorn
Joined: Oct 2023
Posts: 38 |
I went through this a few years ago, I found Alfa to have the best rates/coverage
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