I know at least on or two of you guys were in the insurance industry.  Trying to get a quote on a new home. Any suggestions are welcome as well. 

 

As a side note, I'm thoroughly annoyed that my auto insurance carrier wont even give me a quote on my home because we own a rottweiler. 

Get in touch with Mike, kingsoverqueens I think his user name is, he does it for a living and took care of my policy. Good service.

Wayne/TheLugNutz does as well. Just did home/auto through him and very satisifed (and saved me a ton of money).

I know at least on or two of you guys were in the insurance industry.  Trying to get a quote on a new home. Any suggestions are welcome as well. 

 

As a side note, I'm thoroughly annoyed that my auto insurance carrier wont even give me a quote on my home because we own a rottweiler. 

 

How about companies that won't write a policy because you live within 5 miles of the coast?

We have had Allstate for years and I am tired of the overpriced polices (auto-home-umbrella). Non of the larger companies will write new policies. Of all the storms we have had in the last 18 years, our only damage was 3 sections of vinyl fence taken out by trees - twice. Both times under my deductible.

Get in touch with Mike, kingsoverqueens I think his user name is, he does it for a living and took care of my policy. Good service.

 

Wayne/TheLugNutz does as well. Just did home/auto through him and very satisifed (and saved me a ton of money).

Thank you gentlemen. That's what I was looking for. Sent from my SM-G900V using Tapatalk

If your new house is in NJ, you ought to look into New Jersey Manufacturers. For new customers, they just need a sponsoring company. In other words, if you work for Main Co Inc, they may be a sponsor. All you need is a sponsor number. If you leave your company, no matter. They won't dump you. Only thing would be if you move out of state. They are self banked and maintained and share stock refunds to you every year. They are the cheapest and best I found. I have home owners and auto for years with them and they are great. An agent to get you insurance is not really necessary. On another note, you said a new home. If you have a mortgage, the amount insured will be based upon replacement value of the home and the bank holding the mortgage sets the requirements. Not by what you have inside. If your company does not sponsor them, get them on the band wagon. Takes a simple application. I got my friends company on it and in car insurance alone, he saved over $1800... They also give you multi account discounts if you get car, etc.... Also, they have no problem with firearms insurance and append it to your HO Policy...and can give you up to $6500 on it. Seems to be the standard limit governed by law or some crap they said.

Hope that helps...

See if your or your wife's employers are members of NJBIA. If so, auto and home insurance is available through NJM.  Best way to go in this state.

NJM couldn't come close to the insurance that I had through the Wharton Group in North NJ.

 

Sent from an undisclosed location.

 

 

NJM couldn't come close to the insurance that I had through the Wharton Group in North NJ.

 

Sent from an undisclosed location.

Even with the two rebate checks I get every year? Then those deducted from my annual? I'm not saying it's the best, but it's the best I found over the years.

 

 

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If your new house is in NJ, you ought to look into New Jersey Manufacturers.

 

+2   Although not home, I just switched my auto policy, saved $1000, no joke.  Homeowners is next to move to NJM. 

I've found GEICO to be Ok.  Switched from State Farm.  After filing a claim for a lightning strike.. blew out TVs, garage door openers and the pressure tank for our well system, about a $2500 claim, they raised the premium by about $1200 per year. Said it would stay that way for 5 years.  So I switched and got a rate less than the original State Farm rate by about $100/year.

If your new house is in NJ, you ought to look into New Jersey Manufacturers. For new customers, they just need a sponsoring company. In other words, if you work for Main Co Inc, they may be a sponsor. All you need is a sponsor number. If you leave your company, no matter. They won't dump you. Only thing would be if you move out of state. They are self banked and maintained and share stock refunds to you every year. They are the cheapest and best I found. I have home owners and auto for years with them and they are great. An agent to get you insurance is not really necessary. On another note, you said a new home. If you have a mortgage, the amount insured will be based upon replacement value of the home and the bank holding the mortgage sets the requirements. Not by what you have inside. If your company does not sponsor them, get them on the band wagon. Takes a simple application. I got my friends company on it and in car insurance alone, he saved over $1800... They also give you multi account discounts if you get car, etc.... Also, they have no problem with firearms insurance and append it to your HO Policy...and can give you up to $6500 on it. Seems to be the standard limit governed by law or some crap they said.

Hope that helps...

 

I agree 100%. I have them for home and auto. In the last 5 years due to the 2 hurricanes, snowstorms and other weather related incidents they have paid out more in claims than I will pay in premiums in the next 20 years.

 

Their claims response is excellent. I had a check in less than 15 days every time and they never raised my premiums.

 

Get them if you can.

When we tried to amend our policy to cover our solar panels Liberty Mutual told us we could not because we had an in-ground 1000 gallon oil tank. We crossed our fingers and had the thing removed. It's now sitting "somewhere in Pennsylvania" -- in Mipafox's driveway? Actually has probably been recycled. 

 

With that out of the way we were able to combine our auto, homeowner (including substantial upgrades to cover our panels and work shed (aka junk repository), plus a sizable umbrella policy. All for a very reasonable price, significantly less than purchasing those policies separately. 

 

So yes I recommend Liberty Mutual.

My GF has worked for State Farm for many years. I don't know that they are the least expensive, but their customer service is superb.

Feel free to contact me if you would like her to get you a quote. Oh, and good luck in your new place!

My GF has worked for State Farm for many years. I don't know that they are the least expensive, but their customer service is superb.

Feel free to contact me if you would like her to get you a quote. Oh, and good luck in your new place!

What is she wearing?

 

Sent from an undisclosed location.

 

 

What is she wearing?

 

Sent from an undisclosed location.

Tan khakis .....

If your new house is in NJ, you ought to look into New Jersey Manufacturers. For new customers, they just need a sponsoring company. In other words, if you work for Main Co Inc, they may be a sponsor. All you need is a sponsor number. If you leave your company, no matter. They won't dump you. Only thing would be if you move out of state. They are self banked and maintained and share stock refunds to you every year. They are the cheapest and best I found. I have home owners and auto for years with them and they are great. An agent to get you insurance is not really necessary. On another note, you said a new home. If you have a mortgage, the amount insured will be based upon replacement value of the home and the bank holding the mortgage sets the requirements. Not by what you have inside. If your company does not sponsor them, get them on the band wagon. Takes a simple application. I got my friends company on it and in car insurance alone, he saved over $1800... They also give you multi account discounts if you get car, etc.... Also, they have no problem with firearms insurance and append it to your HO Policy...and can give you up to $6500 on it. Seems to be the standard limit governed by law or some crap they said.

Hope that helps...

 

Looked into them and my company isn't on the list.  Doubt I'll be able to get Lowe's to buy in. 

Looked into them and my company isn't on the list. Doubt I'll be able to get Lowe's to buy in.

How about your significant other?

 

 

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Same issue sadly

Same issue sadly

If her company is small enough, they can become a sponsor. I believe it's free. All they need to do is file an application. I know it's harder with big companies because it takes more than one person to make a decision. Ugh.

 

 

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