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Dan93 | How can I negotiate a better price on my home owners Insurance? |
They rasied my premium about $70, and I lost one months coverage because the agent listed the policy a month early, so now now the premium is now due earlier also. And I haven't even paid the premium until a month later.
Anyways I keep getting the run around, they can lower it but they need $1000 deductible. I do not want the Auto tied into this, its under a different name. This raised the dwelling and personal property which is 70% of the value. I'm sure the real value went down this year. |
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Sue
|
No you can't negotiate a better price on homeowners insurance. The price is the price which is filed with your state, but like you said, you can raise your deductible or you can put your auto insurance with the same company. Other discounts are central station burglar & fire alarms, sprinkler systems, some companies give discounts for low temp monitors (if you are in the north). If you agent started your policy a month early, did you cancel your old policy on the same day the new one started? You may be able to do that by showing your old company a copy of your new policy. They will go back & cancel for duplicate coverage.
The dwelling limit gets raised every year because the cost of construction goes up every year. Even if the market value goes down, the construction costs go up. In my area, the cost only went up 5.4% this past year. For a while there it was going up over 8% per year. Also, the other structures, contents & loss of use coverages are a % of the dwelling limit. 70%-75% for contents is normal, especially if you have the replacement cost on contents endorsement. I would never go without that one! You would be surprised how fast your contents add up if you had to replace everything you own with new things.
To me it doesn't sound like you are getting the run around, the agent offered you the options they can to reduce your premium but you do not seem to want to do these things. If you do not want to do the things offered, there is really nothing else your agent can do for you to lower your premium. If your agent is a direct writer, they do not have another company to shop your premium.
If you are unhappy with your agent, pick up the phone book & call an independent agent - you can tell them because they will either have several companies in their ad or their name will be listed under the headings of different companies. Call one or two & have them comparison quote for you & see what happens. Good luck to you. |
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hightechchic
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You say the "real value", but I have no idea what you mean by that. Unless you have a mobile home, the value of almost any other type of structure will INCREASE on a yearly basis.
There are different types of values, though. There's the appraised value (that they use to determine property taxes), there's the actual cash value (which is what you could go out and purchase it for on the open market in its current condition and location), and then there's the replacement cost value (which is what it would cost to actually rebuild the structure based on the actual square footage and building materials.)
These are VERY different animals. And since most homeowners policies (as opposed to "fire" or dwelling fire policies) are designed to REPLACE a structure (not just pay for you to purchase something else), you could end up in a lot of trouble if you don't have full replacement cost.
The agent can correct the issue date, by the way. Request it in writing. But be certain that you are correct about the actual renewal date and aren't basing it on a last day to pay in your grace period from the former policy.
There aren't a lot of ways to lower your homeowners policy premiums without increasing the deductible, or adding various types of discounts. Obviously they've talked to you about trying to write you auto to save you some money (though I have no idea why you'd want to keep them separate, it doesn't impact the coverages at all.) You can also usually get discounts if you have some types of security features on the property. You might check into that. |
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Insurance Biz CT
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You can't really negotiate a better price. You can shop around for another company that will provide you with the same coverage. If you are not happy with your agent, this may be the time to find another who will represent you the way you should be.
Changing your deductible is an option, as is discounts for having your home and auto with the same insurance company. Take some time, contact a local agent, and shop it. |
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ingrid n
 |
just show them other company quotes |
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Akbar B
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Increase the deductible, try to align the auto policy with the home owners insurance, point out that you have not made any claims etc. Good luck. |
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aerowrite
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You'll need to take certain measures and tell your agent about them. For instance, if you have installed an fire alarks, burglar alarms, a "beware the dog" sign, you'll want to mention it because it could lower your chance of a risk, which in turn can lower your rates |
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mbrcatz
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There isn't any negotiation room on homeowners policies - the prices are what they are. Usually you have to pay at least $15,000 a year on a commercial policy, for there to be any negotiation room THERE. Homeowners policies are JUST too small, and there isn't much profitability for the companies on them.
Your best thing to do is shop out to another agent - preferably an independent agent, who can give you multiple quotes with multiple companies.
Keep in mind, it's heavily based on your credit scores. If you've got poor or mediocre credit, you're not likely to find a company willing to take you on at all.
Homes are insured based on the cost to rebuild, NOT the market value, and construction costs NEVER go down. So you can usually expect to see your insured value go up about 3% to 6% every year. |
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Jim from the Midwest
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Call your car insurance company and get a quote. Then take it to your house listing agent to have them match it. If he can't then do business with your car insurance company. |
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