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08-20-2008 at 10:04 PM
Sarah7305
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Joined on 09-29-2004
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Sarah7305 is not online. Last active: 12-04-2008, 4:37 PMNewbie

Home Insurance??

How much is your home insurance? What type of coverage do you have? I am going to call our agent in the morning, however I am working on a budget for a new house... just curious. TIA
 
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08-20-2008 at 10:10 PM
Camellia78
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Joined on 06-18-2006
Northern CA
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Camellia78 is not online. Last active: 12-03-2008, 7:55 PMBronze
Ours is just under $1000 a year.  This is going to vary a lot though depending on where you live, value of the house, whether you have a pool, type of roof, nearest fire station, nearest hydrant, etc., etc., etc.


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08-20-2008 at 11:01 PM
almostabuck
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Joined on 03-29-2007
Virginia
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almostabuck is not online. Last active: 12-04-2008, 4:55 PMSilver
DH did this before I met him, so I'm not sure on the coverage level. We pay $300/yr for our townhome and my wedding rings.


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08-21-2008 at 5:21 AM
SoonToBeMsP
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Joined on 12-31-2006
Northern VA
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SoonToBeMsP is online. Last active: 12-04-2008, 7:26 PMSilver
$650 a year. Not sure what you mean by what type... Maybe I am mising something :)


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08-21-2008 at 7:04 AM
pierogigirl
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pierogigirl is online. Last active: 12-04-2008, 7:26 PMBronze
We have "regular" home insurance covering the structure and furniture, etc. (not jewelry - I have different coverage for my rings).  We also have supplemental liability insurance - an umbrella policy - which covers us if we are sued above and beyond the liability on our homeowners or auto insurance policies.  I think we got a good deal on our insurance because we have our policies through the same company which helped us maximize our discounts.  I don't live in a flood, hurricane,  or tornado prone area; I do live near a fire hydrant, fire house and in a low crime area.
 
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08-21-2008 at 7:11 AM
uncharch7
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NC
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uncharch7 is not online. Last active: 12-04-2008, 7:11 PMGold
ours is about $350/yr, basic coverage.
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08-21-2008 at 7:20 AM
NicED538
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Joined on 11-28-2007
Northern Kentucky
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NicED538 is not online. Last active: 12-04-2008, 2:46 PMBronze

Ours is somewhere between $500 and $550 a year. We live less than a mile from a fire house, also have car and life insurance through the same company to maximize discounts, and our area is not prone to a lot of natural disasters.

Home insurance varies greatly by location, type of house, value of house, proximity to a fire house, what type of natural disaster your area is prone to, etc. There's a lot of different factors that contribute to how much a policy is per year.
"If you pick up a starving dog and make him prosperous, he will not bite you; that is the principal difference between a dog and a man." - Mark Twain

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