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02-12-2013 at 12:25 PM
Ksahlberg
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Ksahlberg is not online. Last active: 05-07-2013, 3:06 PMNewbie

Homeowners insurance @ Closing

I'm almost ready to close on a house, the last thing we need is the paid Homeowners insurance binder. DH and I have been talking about changing insurance policies for years as I'm sure we can get a better rate elsewhere, but, everything will be combined (home, cars, ring, etc.) and if we're going to close in less than a month I don't want to be shopping around for a new agent to hold up the process. Should we just get it over with or change policies later?
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02-12-2013 at 2:44 PM
faithita
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faithita is not online. Last active: 05-21-2013, 3:22 PMBronze
I am in the same boat. I shopped around yesterday-- it took a couple of hours, but I got quotes for three policies in addition to a homeowners' quote from my current car insurance. In my opinion it's no more work than all of the other crap that you have to do to get ready to close on a house... 
Pursuing foster to adopt. TTC 2010-2013.  
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02-13-2013 at 9:04 AM
Brina105
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Brina105 is not online. Last active: 04-24-2013, 12:27 PMNewbie

i would shop around. It doesn't really take all that long.

If you get some quotes that are less, instead of changing call your current insurance company and ask them if they can match the lower rates you are getting.You might get a lower rate without having to go through all the paperwork of changing policies.
 
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02-15-2013 at 3:04 AM
codysalvic...
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codysalvick is not online. Last active: 02-15-2013, 3:06 AMNewbie
Just get a new quote. Insurance companies offer discounts for bundling policies, so you might actually end up saving a ton!Start shopping around today for auto and home insurance quotes. You’ll be glad you did.
 
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02-16-2013 at 8:56 AM
ErinO21
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ErinO21 is not online. Last active: 05-21-2013, 8:38 PMNewbie
Getting quotes really only takes a couple of hours. Your best bet would be to find an independent insurance agent. They sell insurance for multiple companies and can do the comparing for you. Independent insurance agencies are generally the family owned ones, like, "Smith Insurance Agency" names like that. Get it over with and change policies. It SHOULDN'T hold up the process.
 
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02-18-2013 at 2:23 PM
Ksahlberg
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Thanks guys!
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03-25-2013 at 8:42 PM
SoCalJenn2
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SoCalJenn2 is not online. Last active: 03-25-2013, 9:58 PMNewbie

I  know this may be a little late. But I'm an insurance agent, I won't mention for what company. Make sure that your homeowners policy is an HO-5. This provides you with the broadest coverage possible meaning "all perils" covered except where excluded ie earthquake. While some companies may offer a lower premium, but the policy is very strict, called an HO-3. This means that the homeowners insurance will only cover the things listed, nothing else.

 

Good luck! 

 
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