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Home Owners Insurance

JENHOS Posted: Oct 15, 2003 11:07 AM+

JENHOS MEMBER SINCE: 1/02 TOTAL POSTS : 2549 WEDDING DATE: Nov 16, 2002

Posted: Oct 15, 2003 11:07 AM

Home Owners Insurance

Who does everyone have? And what do I need to have together to get it? We are closing soon and I need to get our insurance in order.

DecBride04 Posted: Oct 15, 2003 11:38 AM+

DecBride04 MEMBER SINCE: 2/03 TOTAL POSTS : 1669 WEDDING DATE: Dec 03, 2004

Posted: Oct 15, 2003 11:38 AM

Re: Home Owners Insurance

HI! We used State Farm Ins. Def. shop around, but I found them to have the best quote. All I needed was the Sq footage of the house. They were very helpful and had it set up in no time. When you sit down with them in the office, they will ask you a lot about items that will be in your home and the value. Example, CD's (how many and $$ to replace them) or even Good china or antiques (know their around about value). You will have to pay the 1st year in full, but then you can either pay by way of your mortgage or have it separate and pay (monthly, quarterly, or annual) by dealing with the company directly. We choice to pay it through our mortage. One less bill to worry about each month. If I can be of any more help, just FM me. Good luck with the new house. I know how it is, we are closing tomorrow morning.

Fran M Posted: Oct 15, 2003 11:49 AM+

Fran M MEMBER SINCE: 2/01 TOTAL POSTS : 3386 WEDDING DATE: Sep 14, 2001

Posted: Oct 15, 2003 11:49 AM

Re: Home Owners Insurance

We also have State Farm
It definately pays to shop around.
This is a good opportunity to take an 'inventory' of your home. List up all your electronics, furnishings, china, silver, crystal, etc. You might also want riders for things like jewlery and furs.

Wendy Posted: Oct 15, 2003 12:31 PM+

Wendy MEMBER SINCE: 4/01 TOTAL POSTS : 3072 WEDDING DATE: Sep 23, 2001

Posted: Oct 15, 2003 12:31 PM

Re: Home Owners Insurance

Make sure that you request a policy that covers you for full replacement value of your home. It may cost a little more but it means that even if home building prices go up you will always have enough insurance to rebuild your home. It's very important to have this.

christy Posted: Oct 15, 2003 08:40 PM+

christy MEMBER SINCE: 1/02 TOTAL POSTS : 6763 WEDDING DATE: Apr 18, 2003

Posted: Oct 15, 2003 08:40 PM

Re: Home Owners Insurance

I have geico, and they are very affordable

michele31 Posted: Oct 16, 2003 10:23 PM+

michele31 MEMBER SINCE: 6/01 TOTAL POSTS : 10673 WEDDING DATE: Nov 02, 2002 WEDDING LOCATION: Tavern on the Green

Posted: Oct 16, 2003 10:23 PM

Re: Home Owners Insurance

Oh, and you also need to know the year your home was built and things like
-do you have a central station alarm installed
-do you have central station smoke dectors
-an attached or detached garage
-how close is the fire house (if you live close by you may get a discount)
- gas or electric or oil heating/stove/etc..
-how many stories is your home

Also, make sure you check the jewerly policy. Many have a very small included policy and it might not cover your e-ring and any other jewerly you may have. I pay for extra ridders for my e-ring and a diamond necklace that I own, plus I upgraded the basic policy. Just something to be aware of.

And make sure you always document your large purchases such as an expensive TV.

Sasha96 Posted: Oct 18, 2003 01:07 PM+

Sasha96 MEMBER SINCE: 6/02 TOTAL POSTS : 3296 WEDDING DATE: Apr 12, 2003

Posted: Oct 18, 2003 01:07 PM