anyone on here a broker for homeowners insurance, my parents premium is getting insane and he is looking to get some rate quotes.

Just got my renewal last week...they are hammering us. No surprise considering how many roofs the insurance companies have replaced in North Texas the last 5 years.

Yep
Just paid $2800
Went up $400
Good times

Don't let anyone trick you into a 2% deductible. State Farm will not sell 1% deductible in my area. I just renewed my homeowners. I'm paying Round $800 for every $100,000 insured. Here is my independent agent. Scott put me with Allied. Rates differ for different areas.


scottreed@shop2insure.com

We have USAA and they have been reasonable. Only thing I did not like about them and I heard most insurance companies did it also, they had switched are deductible from 1% to 2% it was buried down in small font on like page 18 of 35 pages, we did not realize it until the last hail storm hit a about 2 years ago

I hate homeowner's insurance with a purple passion. I figure you can make one big claim in your life, i.e. it burns to the ground or a tornado takes it, then you're done with any premium that resembles fair. Folks that try to make small claims are shooting themselves in the foot.

You are mostly insuring your roof. My last and only claim was a little more than a roof but I did manage to get a new roof from it.

Get with Varmintslayer on here. He's a Farm Bureau agent. He'll change your life.

Pro - tip do not be overinsured

Talked with my insurance guy this morning and he stated the rate hikes are to cover the hurricane damage around the coast and Houston.
Looks like they will be with us for a while.

Isn't that cute. I had some sort of "rate lock" that expired is what I was told when I called Geico to inquire why *mine doubled*! They tried to explain that it had something to do with my insurance company switching from ASI (or Lloyd's of London???) to some other company mid-year. The explanation was that I didn't have a rate increase last year like everybody else so my increase really just gets to me to the same level that everybody else is at. Didn't really make much sense but I read dollar signs. Gathering quotes.

Best tip of the day. Your deductible goes up as your insured amount goes up. You are actually more for less.

Rates went up 20-30% in the DFW area I'm told. Still shopping mine, but it ain't pretty!

He is CBallew@txfb-ins.com I use him for my auto insurance but he can't match scottreed@shop2insure.com on my home owners. He admitted it.

I would stay away from Allstate from my personal experience. Their moto is to delay and deny. Everyone else is good to very good. USAAand the like being on the very good side

Bill, if you paying $4500/year for your house, you paying way too much.
Are you neighbors gold coins in your policy?

I'm paying around $2,400 each year for $300,000, with a 1% deductible. I had to fight to keep the price down as Ramsey posted.

I'm surprised that this thread has gone this long. Most people don't pay that much attention while their escrow is paying. Some get refunds from their escrow and think its their lucky day. I woke up when I paid off my house. I started shopping for homeowners insurance and protesting my property taxes.

Farm Bureau was way higher than my current carrier, Germania. About 15% higher.

I was pissed off at $3700 with Farmers. Got three different quotes, all around $6000. I shut up about $3700......

i’m an agent who works with an agency who writes with over 130 companies. 80-90% of the quotes we run save folks money. feel free to message me if anyone would like a quote

and the government still makes you believe the inflation rate is only 1.5% a year.

Allstate is horrible from what I have seen last few years, and USAA is best out there.

My State Farm actually went down a small amount Even got a small refund check.