Home owner's insurance

[Tyrone]

What's one of the cheapest 'home owner's insurances' that provides one of the best services/coverage for the price? Is it better to go with a discount your your car insurance may cover, state farm, or any other....This is the first time I've had to deal with... Thanks for any help that's lended!!

[Uluwatu]

We have State Farm and combined our auto policy with our homeowners. I think it saved us about $200 per year doing it that way.

[pesty4077]

Tyrone, take my advice, get State Farm. They are the best when it comes to claims. Forget about cheap companies, and here is why they are cheap. If you have a claim, alot of companies will try to low ball you on the amount of your claim, if your house burns down(I PRAY NOT) do you want to argue with them? No you want them to take care of you as soon as possible! Also, if your stuff is 10 years old, they will only pay you a depreciated price, EX: You paid $2000 for your plasma, it is 10 years old, they pay you $200, it costs you more to replace! GOOD NEWS, State Farm will pay whatever price it is to replace everything. Make sure you have enough insurance on your house to build it from scratch, just in case. I would advice(being in CA) earthquake insurance, generally runs $200 a year, a good investment! I have State Farm, my car got stolen, retail price on Kelly Blue Book was $13,000, State Farm paid me $18,000 Think twice about your insurance, we pray nothing happens, but just in case.

[cuz]

State Farm A++++

[Tyrone]

Uluwatu, Pesty, cuz, thanks for the feedback. Seems most others I know use them as well. Thanks again guys!

[CB]

If you have a costco membership, they offer auto and home through ameriprise. I pay very little on each for great coverage, and have had awesome customer service. You can check it out on the costco website.

[Tyrone]

Originally Posted by CB

If you have a costco membership, they offer auto and home through ameriprise. I pay very little on each for great coverage, and have had awesome customer service. You can check it out on the costco website.

Thanks CB! I did check them out as the GF and I have Costco membership...Although, they offer such great customer service and coverage that they're way over what we can get right now from State Farm. Shit, Ameriprise said they come fix window through out the year for free, provide free inspections etc, etc....Just too much for us at this point.
Thanks again, Ty