Recommendations on homeowner’s insurance?

Posting as :
works at
You are currently posting as works at

NOT Homeowners of America - they just included a depreciation schedule on your roof. So over time they will depreciate the cost they will cover for damage to zero. So if your roof is in perfect shape in 20 years, and then you have hail and need to replace it, they’ll only cover the remainder of the value after it’s been depreciated. Assholes.

I believe this is a very common practice with insurance, I am with Allstate and they did the same thing. However, when putting in a claim I worked with a roofing company who coordinated with the insurance company to get back depreciation. Which essential was just a second check in the mail AFTER the roofing work was complete and he sent them an invoice.

like

Not loyal to anyone in particular. I’ve had AAA on a house and they covered roof. Had travelers on another house and they covered water damage. Currently on State Farm on one and haven’t had a loss yet

Definitely call a broker! We were first time home buyers and didn’t know what a typical rate was… we were paying $3200/year.
We ended up going through a broker after 4 years of that, and got the SAME coverage for half that! So I always recommend a broker for that reason.

Any chance you’re willing to share the name of your broker? That’s pretty amazing.

Not sure where you work but see if your company has a broker service, EY’s service got mine cut in half this year and it was great

If you dig into the benefits website it’s called Mercer? I put in a request and they assigned me a broker of sorts who got me home and auto quotes for like 4 different providers

helpful

I would just call a broker or two to run numbers. Be prepared to be unhappy though. We pay roughly $400/mo for a $650k house, which was the cheapest after shopping around and bundling with auto. Rates have gone up a lot lately.

Related Posts

I am genuinely interested in learning why people want to reopen non essential businesses?For the past one month all we have read is about how fatal and dangerous is covid. I want to reasoning

like

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

like

Is it a good time to buy properties in nyc?

like

In Chicago Illinois, are Propepty taxes paid annually? Or in another way, if I sold my house today, I am still due to pay second half of 2021 in taxes at my end?

like

10/17 check-in: Good morning! What are everyone’s workout plans for today?

For me- treadmill, triceps, shoulders.

likeuplifting

Hello and happy Thanksgiving! What are the pros and cons of living in San Diego vs San Francisco? I’m from NY and looking to move to one of those locations. I’m hoping to get more info on rent, dating, entertainment, taxes, and job stability.

like

How long after dating someone do you share your income if at all? .. do you share with your parents? Has this posed any problems for you ?

like

Freelancers - who’s your tax guy ? I’m very, very confused.

like

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

like

When it comes to therapy do I look up a place online and make an appointment or do I need some sort of referral? Not sure if I need to see a therapist or physiatrist really.

like

Abortion banned in Georgia after 6 weeks. Y’all better wrap it up.

likefunny

At 29 weeks. What are the things to start doing now? Feeling a bit anxious about the closing D date. How can I be better prepared. Have already signed up for birthing classes in Sept and am doing prenatal exercises.

like

Good recommendations for physical therapists in the area?

like

Is there anyone from Canada here? I’m looking for some information on working out of the country, but selling insurance.
Thanks

like

Can anyone invest in Roth IRA asking with 401k or is there a limit based on salary? I was told if you are making above X, you can't invest in Roth IRA. If this is true what's is X amount?

like

Sometimes I feel real financial stability is a universe away. Wealth is so hard to build. I’m 24, first-gen, thankful for a couple of very accredited degrees...but it feels like I need a miracle.

like

I got married and do not have Marriage Certificate yet, so is Marriage Certificate mandatory for getting dependent VISA?

like

Female 🐠: basically all of my pores are visibly clogged and enlarged. I get breakouts from this regularly. What do I need to do? I assume I need to go to a spa or derm. Should I be seeking an extraction facial?

like

Avoiding US fishes who live in a different reality. How do the london fishes earn (level, company). What % are you able to save monthly?

My own
~10 years total with ~2 years consulting
Pay 100k base + bonus
Realistically saving 40% net take home for house in future

like

More Posts

I'm fairly new to the industry and I'm having a hard time getting comfortable during showings. I get nervous and stumble over my words. Advice for how to get more comfortable and confident?

like

Any insights on compensation for a Sr. Analyst in the security practice?

like

Hi folks need information on salary range for principle consultant in Infosys with 22 yrs exp

like

When you submit your resignation after getting appraisal...

Manager:

Post Photo
funnylike

Perfect gf
doesn't exis..... 🫣


He got a perfect one

Post Photo
like

Being ‘authentic’ is always good, right?

funnylikehelpful

Hi, i recently joined jio in march and my payslip wasn't generated for march and cannot i raised the concern to HR asking the same and there was no response from them, now even for april i cannot see the payslip can you guys please confirm when is payslip gets generated for new joinee

What is IT Due Dilligence? Is it more IT Audit? Better? Worse?

like

Why does the recruiting process after passing all interviews stall? We are at a standstill in salary negotiations and I am losing momentum joining? Common problem?

like

Good Morning! Croque Madame with Caramelized Onions and Sriracha Bechamel Sauce

Post Photo
like

Hi, offer coming through from AWS - is there scope for negotiation with them, or is the offer just the offer?

like

Hi, Is there job openings in Accenture for Oracle cloud technical/Oracle Integration Cloud(OIC)

Total exp - 5 yrs

Accenture India Accenture

Can someone refer me in Accenture. I am currently working as Process Leader with 9 years of experience in project management and process management.

like

How long did you date your SO before moving in with them?

like

Best high yield savings products?

like

What's the range for L10 Tech/London. Pretty disappointed with the perf discussion result and being told that I am already at the higher side of range☹️.

like

BCG has a couple of openings of data scientists.
Requirements : 1. Masters or PhD degree preferably from a top school
2. Atleast 1 year of experience as a data scientist
3. Know how to use Python

Kindly DM only if you strictly meet the requirements

Hi Fishes, Pls help,
YOE: 13 yrs
Cctv: 13 lpa

Have cleared HCL interview. Initially they offered 23 lpa (via proposed offer letter, to be approved by L4), but i requested to reconsider it for 25 lpa. After 5 days, they sent final offer letter of 19 lpa (stating they can offer max 50% as per L4 approval).

I don't have any other offer as of now. What should I do?

like

Why isn't much IT jobs available in UAE ?

#thoughts

like

Additional Posts in The Dallas Bowl

Where’s everyone spending their Labor Day weekend?

like

Gonna be working in arts districts starting next summer. would preferably live within walking distance of work but am also open to a 10-15min drive.

would a $1500 budget for within arts district and $1100 budget a few miles away for rent suffice (not including utilities, wifi, etc)? what are some apartment complexes or areas i should look into?

like

Anyone happen to be familiar with the 5300 Glencoe Park neighborhood/properties? Like it’s location to DT (job) but also want to make sure it’s good for my soon to be grade school kids.

Hi all, any recommendations on a place in Dallas I can get an assessment and also purchase running shoes at the same place.

like

Any affordable men’s tailor recommendations near downtown?

likesmart

How are the areas around white rock lake to buy an investment property? Any suggestions appreciated!

like

Moving To Dallas this summer and will likely be looking to live/buy in suburbs. Any recommendations where to look?! Want to be central to everything and access to nature, in 300-400k range

like

What are some good and reliable electricity and internet providers in Dallas ?

like

Right-wing Republican moving family from deep blue progressive city. Looking for excellent schools, low property taxes. reasonable housing prices, and a high percentage of Republican voters. Any suburb recommendations?

likefunnyuplifting

Hi Y’all - Moving to Dallas soon and looking to buy a house. Wanted to know if Mansfield is a good, safe area with good school districts? Also, how would the commute be to North Dallas? Thanks in advance.

like

Does anyone know what vaccinations are looking like? Where to get them and when they’ll be available?

like

Anyone have recs for a Nephrologist/Kidney doc?

like

What bank do you use, and why? My old bank doesn’t have branches here, looking for suggestions.

like

Should I trade in my iPhone 13 pro max for $720 to Apple? I don’t know what they sell for used but if that is a good deal let me know if you want to buy it.

like

Today I lost out on a house because my offer of $90k over the list price was beat out by another bid. Everyone else having an equally crappy Monday?

likefunny

There was interest on another thread to get folks in Dallas networking and connected post COVID. I setup a WhatsApp group if you’re interested in connecting. See thread

like

Any recommendations for hikes/nature walks up to 2 hours away?

like

Anyone working at JPMorgan Chase? I have some questions about a job offer I got.

Thanks

like

Texas drivers…honest question. Why, why in tf do people just camp in the left lane? I’m talking doing maybe 5 mph over the limit in the left lane when people want to go faster and they can get over?? I can’t always see around and sometimes on hills I can see that one jackass is holding up a line of cars. What gives???

like

Anyone have recommendations for GCs? Looking to renovate a new home in Dallas.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal