Posted: 9/27/2010 5:01:53 PM EDT
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My home owners insurance is do to renew. I think I'm under insured now but I hate paying for the shit, anyway here is my question(s)
1) I own 30 acres have cattle, out buildings, tractor, etc.etc. one agent wants to write a small farm policy but it doesn't cover my quads( WTF!!!!!!) 2) They want to charge me extra for fire arms. Which is fine, but what is a fair rate per $1000.00? 3) Same for my wife's Jewelry. I usually just renew, BUT I had an incident (a vehicle break in in my driveway) and lost a 22-250, spotting scope, and a cell ph. Lets just say I learned a costly lesson. I have never had a claim other then the theft. Thanks in advance! |
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From what I learned when home owners ins. shopping:
Currently paying $600 per year for 150K replacement policy. The lowest I could find was $550 per year, but it had less coverage for personal property. Anything worth money they want to do a rider policy. If it isn't a house or a car they will require a rider policy. If you are a veteran, USAA will treat you right, but it will cost a little more. I have seen how well their policies work after a house fire. |
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you might enquire about a rider policy that is open... essentially one you can use for anything, and it isn't specific. you're simply paying for $$$ coverage then, rather than a notion on what is hot to steal and what isn't...
i have one for $150k that covers anything i want... it can be a baseball card collection or an F16 for all they care. i use it on top of my complete policy. i don't remember the cost but it was pretty reasonable through farmers insurance... |