SaltyCajun.com http://redtunashirtclub.com/

Notices

Go Back   SaltyCajun.com > General Discussion Forums > General Discussion (Everything Else)

General Discussion (Everything Else) Discuss anything that doesn't belong in any other forums here.

Reply
 
Thread Tools Display Modes
  #1  
Old 08-16-2010, 09:16 PM
ScubaLatt's Avatar
ScubaLatt ScubaLatt is offline
King Mackeral
 
Join Date: Mar 2010
Location: Moss Bluff
Posts: 2,268
Cash: 2,864
Default Homeowners Insurance in LA

I am shopping for a new homeowner insurance agency and can't find anyone writing in Louisiana. I have America First but want to shop rates. Does anyone have any ideas? I was told by Farm Bureau that they would write it but would exclude wind damage and I would have to buy that from LA Citizens (which I was told was expensive).

Any suggestions?
Reply With Quote
  #2  
Old 08-16-2010, 09:40 PM
jldsc's Avatar
jldsc jldsc is offline
Red Snapper
 
Join Date: May 2010
Location: Evangeline, LA
Posts: 1,375
Cash: 2,749
Default

I have farm bureau and its exactly like they told you, but I dont remember it being that expensive, I also did not shop around I already deal with farm bureau
Reply With Quote
  #3  
Old 08-16-2010, 10:57 PM
hadabite's Avatar
hadabite hadabite is offline
Trophy Trout
 
Join Date: May 2009
Location: Lake Charles
Posts: 279
Cash: 930
Default

It's hard to find it during hurricane season. Many of them stop writing until it's over
Reply With Quote
  #4  
Old 08-17-2010, 06:16 AM
fishinpox's Avatar
fishinpox fishinpox is offline
Blue Marlin
 
Join Date: May 2009
Location: baton rouge
Posts: 8,470
Cash: 5,316
Default

go with safeco for your homeowners and auto . they arnt big in la so they didnt get hammered with all the hurricane claims ect..
Reply With Quote
  #5  
Old 08-17-2010, 06:53 AM
Dink's Avatar
Dink Dink is offline
Blue Marlin
 
Join Date: May 2009
Location: Lafayette
Posts: 7,768
Cash: 2,142
Default

I got state farm......no one could even come close on the price. They don't deal in citizens at all!!! My house is 1100 a year. You get a discount if you insure your car thru them too.......
Reply With Quote
  #6  
Old 08-17-2010, 06:55 AM
Dink's Avatar
Dink Dink is offline
Blue Marlin
 
Join Date: May 2009
Location: Lafayette
Posts: 7,768
Cash: 2,142
Default

Forgot.......EVERY other insurance was over 2000 a year......every one of them was involved with citizens
Reply With Quote
  #7  
Old 08-17-2010, 10:17 AM
Raymond's Avatar
Raymond Raymond is offline
Sailfish
 
Join Date: May 2009
Location: Lake Charles La
Posts: 4,217
Cash: 1,334
Default

Quote:
Originally Posted by Dink View Post
I got state farm......no one could even come close on the price. They don't deal in citizens at all!!! My house is 1100 a year. You get a discount if you insure your car thru them too.......
Wrong Dink, every agent in Louisiana has a contract with La Citizens even State Farm. I believe SF just recieved a 22% increase on their HO policies so get ready for it.
Reply With Quote
  #8  
Old 08-17-2010, 10:20 AM
Raymond's Avatar
Raymond Raymond is offline
Sailfish
 
Join Date: May 2009
Location: Lake Charles La
Posts: 4,217
Cash: 1,334
Default

Quote:
Originally Posted by hadabite View Post
It's hard to find it during hurricane season. Many of them stop writing until it's over
The only when a storm is in the gulf do they shut down. All other times they can bind coverage at will. Flood insurance has a 30 day wait if it is not purchased as part of a loan process.
Reply With Quote
  #9  
Old 08-17-2010, 10:21 AM
Dink's Avatar
Dink Dink is offline
Blue Marlin
 
Join Date: May 2009
Location: Lafayette
Posts: 7,768
Cash: 2,142
Default

I specifically asked about it and they said no.......that's the main reason I went with them......the price reflects it too.......la citizens is high high!! I switched to them 2 ygs ago......
Reply With Quote
  #10  
Old 08-17-2010, 10:29 AM
tumbleweed's Avatar
tumbleweed tumbleweed is offline
Trophy Trout
 
Join Date: Jul 2009
Location: Baton Rouge,La
Posts: 441
Cash: 652
Default

I was informed by our insurance company last year we had to get a Hail and Wind policy for our house. It had to go through Citizens, there was no other choice. Louisiana is terrible about insurance. And we have an Insurance Commisioner, what the hell does he do? It is a racket.
Reply With Quote
  #11  
Old 08-17-2010, 10:32 AM
southern151's Avatar
southern151 southern151 is offline
Blue Marlin
 
Join Date: May 2009
Location: Gonzales
Posts: 8,705
Cash: 3,546
Default

Quote:
Originally Posted by tumbleweed View Post
I was informed by our insurance company last year we had to get a Hail and Wind policy for our house. It had to go through Citizens, there was no other choice. Louisiana is terrible about insurance. And we have an Insurance Commisioner, what the hell does he do? It is a racket.
Most of them wind up in prison in our great state!
Reply With Quote
  #12  
Old 08-17-2010, 10:32 AM
Raymond's Avatar
Raymond Raymond is offline
Sailfish
 
Join Date: May 2009
Location: Lake Charles La
Posts: 4,217
Cash: 1,334
Default

Your price has nothing to do with whether or not a company writes through LAC. SF and others all use LAC to place business that they cannot write thorugh standard companies, it is a resource no different than you selling a low end safe when that is all there is money for but the client needs a safe.

The assessement everyone in Louisiana pays on their homeowners insurance is debt payment from Rita/Katrina.
Reply With Quote
  #13  
Old 08-17-2010, 10:46 AM
jldsc's Avatar
jldsc jldsc is offline
Red Snapper
 
Join Date: May 2010
Location: Evangeline, LA
Posts: 1,375
Cash: 2,749
Default

just talked to the wife we pay bout 1800$ year total with farm bureau and the la citizens, just citizens is bout 1200$ a year.
Reply With Quote
  #14  
Old 08-17-2010, 11:35 AM
basinhunterfisher's Avatar
basinhunterfisher basinhunterfisher is offline
Redfish
 
Join Date: May 2009
Location: BASIN
Posts: 154
Cash: 700
Default

i had state farm last year and my premium went from 1450 to 1950 in july, i said hell no and went with liberty mutual and i'm back at the 1450 range. 500.00 in one year that is rediculous.
Reply With Quote
  #15  
Old 08-17-2010, 11:42 AM
southern151's Avatar
southern151 southern151 is offline
Blue Marlin
 
Join Date: May 2009
Location: Gonzales
Posts: 8,705
Cash: 3,546
Default

Quote:
Originally Posted by basinhunterfisher View Post
i had state farm last year and my premium went from 1450 to 1950 in july, i said hell no and went with liberty mutual and i'm back at the 1450 range. 500.00 in one year that is rediculous.
Mine jumped like that two years in a row with Farm Bureau(sp?). I switched to Foremost and they were cheaper but, now, they just jumped $400/yr with no claims filed! Looking into State Farm right now and they are looking at $1600/yr. That's $600/yr less than Foremost with more coverage! I will likely have to do this in another two years again!

Insurance is a pain in the @$$!!!
Reply With Quote
  #16  
Old 08-17-2010, 11:46 AM
Shawn Braquet's Avatar
Shawn Braquet Shawn Braquet is offline
Ling
 
Join Date: Aug 2009
Location: Lake Charles
Posts: 3,241
Cash: 4,801
Default

Quote:
Originally Posted by Raymond View Post
Wrong Dink, every agent in Louisiana has a contract with La Citizens even State Farm. I believe SF just recieved a 22% increase on their HO policies so get ready for it.
my wife, who works for state farm, said the same thing. Our insurance on my house that i just sold was going to go up 400 bucks a year with state farm but the coverage and service has been great. Maybe thats because i keep my service girl happy most nights .
Reply With Quote
  #17  
Old 08-17-2010, 12:20 PM
rambler rambler is offline
Flounder
 
Join Date: Jun 2010
Location: ged/vinton
Posts: 51
Cash: 646
Default i shopped prices a few weeks ago

i have america first also and i was attempting to get rid of them.

i found that no one could provide the same coverage for the price - i'm lucky enough that i don't have a "named storm" or wind deductible or whatever its called, i had the policy before katrina and rita.

i shopped state farm and all state...they could match price but not amount of coverage - they also require a "named storm" deductible.

i've had la citizens on a previous home and never had problems other than the CEO or VP being on trial for corruption...but i din't inquire about them this time.
Reply With Quote
  #18  
Old 08-17-2010, 12:26 PM
southern151's Avatar
southern151 southern151 is offline
Blue Marlin
 
Join Date: May 2009
Location: Gonzales
Posts: 8,705
Cash: 3,546
Default

State Farm claims a "named storm" deductible but, if you switch your vehicle over too, that goes away and you only have the usual 2% ded. You also get a 20% discount for switching your vehicle over.

All in all, I swear they just try to run you in circles to keep you confused!
Reply With Quote
  #19  
Old 08-17-2010, 12:35 PM
Shawn Braquet's Avatar
Shawn Braquet Shawn Braquet is offline
Ling
 
Join Date: Aug 2009
Location: Lake Charles
Posts: 3,241
Cash: 4,801
Default

Quote:
Originally Posted by southern151 View Post
State Farm claims a "named storm" deductible but, if you switch your vehicle over too, that goes away and you only have the usual 2% ded. You also get a 20% discount for switching your vehicle over.

All in all, I swear they just try to run you in circles to keep you confused!
i tell my wife this all the time, then when i go to her state farm banquets and they talk about how good as a company they did that year but how they are losing money blah blah blah and we are eating steaks at lauberge...really must be hurting
Reply With Quote
  #20  
Old 08-17-2010, 02:12 PM
Raymond's Avatar
Raymond Raymond is offline
Sailfish
 
Join Date: May 2009
Location: Lake Charles La
Posts: 4,217
Cash: 1,334
Default

Quote:
Originally Posted by Shawn Braquet View Post
my wife, who works for state farm, said the same thing. Our insurance on my house that i just sold was going to go up 400 bucks a year with state farm but the coverage and service has been great. Maybe thats because i keep my service girl happy most nights .
Guess you have her fill out a Satisfaction Questionaire
Reply With Quote
Reply

Bookmarks

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT -5. The time now is 04:16 AM.



Powered by vBulletin®
Copyright ©2000 - [ARG:3 UNDEFINED], Jelsoft Enterprises Ltd.
vB.Sponsors
vBCredits v1.4 Copyright ©2007 - 2008, PixelFX Studios
SaltyCajun.com logo provided by Bryce Risher

All content, images, designs, and logos are Copyright © 2009-2012,
Salty Cajun, LLC
No unathorized use is permitted
Geo Visitors Map