Homeowners associations (HOA) carry insurance with a master policy, but condo owners are not fully covered through the HOA and need to make sure they are properly protected. We are buying our first house in Seattle area, and before we close we need homeowners insurance. (self.homeowners). So if your house's RCV is $500,000, then your personal property limit will be $375,000. Realistically, most insurance companies offer comparable customer service. But mortgage companies usually require you to obtain a policy before they’ll give you a loan. What types of coverage do I need… The house is not in a flood area, thankfully, so I think we just need the standard. If you had a minor $500 problem you might prefer to just pay it yourself rather than get your insurance company involved, kind of like a fender bender on your car. If you disagree that the number they give you is enough to rebuild your house if needed, tell them that and ask for a quote for more coverage. We have a similar amount in Seattle. If your dwelling is insured for $450,000, your personal property coverage limit will … I was on the phone with Esurance for at least an hour going through the details of ours before signing. I know you mentioned 1.2m as an amount but most homeowners policies are written with an extended replacement cost modifier. If not, it's wisest to maintain homeowners insurance for financial protection. [–]penguinseed 1 point2 points3 points 3 years ago (1 child). Home owner's insurance should cover the cost to rebuild the house back to how it is now. We went through the same company as our auto for the multiline discount and this company outsources to a 3rd Party for homeowners. They'll ask questions like whether you have upgraded appliances, whether your floors are wood or carpet, etc to help form that number. Purchasing homeowners insurance might seem daunting, leaving you with a mountain of questions. But you should buy at least $300,000—and $500,000 if you can. Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others. [–]volyund[S] 0 points1 point2 points 3 years ago (0 children). You can decide what kind of deductible you're comfortable with. So if your house burns down you still own the land. First off I want to give you the advice that if you can afford it DON'T escrow your taxes, HOA, or insurance. Since NFIP policies are typically (but not always) less expensive, consider carrying the maximum amount of coverage through NFIP combined with coverage through a private insurer. © 2020 reddit inc. All rights reserved. [–]andgiveayeLL 8 points9 points10 points 3 years ago (10 children). In hot housing markets this is often less than market value. I wanted to get the best rate with the best benefits. Several agencies turned me down for silly reasons. I outsourced insurance search to my husband, and he first tried to get Geico quote online, it gave lots of options, but we don't know how much rebuild coverage we need, so it sounds like he needs to talk to a person to have them guide him through it. [–][deleted] 1 point2 points3 points 3 years ago (0 children). 2 nights ago, she must have been gone because the dog was barking all night long. Around $300k was the number we got yesterday. Buying first house, need advice on homeowners insurance. Look into companies that have agents in your area, that way if you ever have an issue, you can just give them a call rather than having to go through an automated service. Buying first house, need advice on homeowners insurance. When you get the insurance they'll ask you a bunch of questions like what kind of construction do you have, wood or masonry or whatever, what kind of shingles and roof, etc. If you have a good safety net and think you could absorb a $2000 deductible instead of a $1000 deductible, you could save money on your premium. And they saved me a ton of money compared to tacking it on to my car insurance policy. Whether you're buying a new home or you've already paid off the mortgage, you may have wondered about the value of home insurance.Your home is likely one of the most valuable assets you have. You finance the rest … Here's a link that may help: Building cost You can also look up building cost per square foot figures for the quality of your home and location. Ask for quotes for both scenarios if that applies to you. For this reason, the Insurance Information Institute recommends that you find an insurance professional who has experience working with owners of condominiums. Your homeowners insurance policy should include the total cost to completely rebuild or replace your home. What can I do next? I've received the same, if not better, coverage for a much lower rate going through a broker than calling Geico or another big company. Also, if this is all too much for you to handle, you could hire a broker to do it for you. You should be covering replacement cost, and not necessarily market value, which could be above or below replacement cost. Also can this arrangement be changed mid loan, or only at initiation/refinancing? My current insurance is for only slightly more than the market value of my home. If your home is worth more than $250,000 and you’re in a high-risk area, you may actually need both types of coverage. Homeowners insurance not only protects your home, it also protects your belongings. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. He said the policy was too big so I needed all three with Allstate. It'll be one call and they'll do all the work for you, for free. Most homeowners insurance policies provide a minimum of $100,000 worth of liability insurance, but higher amounts are available and, increasingly, it is recommended that homeowners consider purchasing at least $300,000 to $500,000 worth of liability coverage. Putting a price on condo insurance is a little more complicated than standard homeowners insurance because the amount of condo coverage you need depends on the extent of your HOA’s existing policy. That means everything from clothes to electronics to portable appliances are insured against covered damages or theft. Just to add - you only need homeowner's insurance to replace the house (improvement) not the land itself. Unfortunately insurance does not help with this. Homeowners insurance also includes personal property coverage of around 50% to 70% of your dwelling coverage amount. Same with insurance. It's silly to pay all that extra interest.". We ended up going with Liberty Mutual, we transferred our car insurance to LM as well which saved us money too. They did all the work and made it super easy for me. Homeowners insurance helps protect that … [–]typemgtst 8 points9 points10 points 3 years ago (5 children). When it came time to submit we were denied for sewer coverage because of a previous claim. [–]pennyx2 1 point2 points3 points 3 years ago (0 children), "First off I want to give you the advice that if you can afford it DON'T escrow your taxes, HOA, or insurance. [–]volyund[S] 0 points1 point2 points 3 years ago (1 child). How much life insurance do you need? Some states pay a lot more, while some a lot less. If your post does not appear there (and you are not spamming), send a message to the mod. However, the minimum coverage requirements can vary. Well that all depends on how much you escrow and what your interest rate is. [–]volyund[S] 0 points1 point2 points 3 years ago (8 children). What is standard in these cases? As an example, if you are carrying $300,000 in homeowners coverage, you would have $150,000 to $210,000 in personal possession coverage. If you go through this with a few different companies you should end up with quotes that are pretty similar. In order to get a mortgage loan for your new home, you need to have a certain amount of hazard insurance included in your homeowners insurance coverage. The structure of your home. Join our community, read the PF Wiki, and get on top of your finances! You should have enough liability insurance to protect your assets. 780,000 of personal property coverage? Insurance paid out for a repair...but no company in the area does "repair" they only want to install new complete fences. Things like central air and a finished basement also effect the cost but you want to be careful of an agent selling you on an extended amount as opposed to an actual inflated amount. While not all advice on Reddit is solid, there are plenty of Redditors who know what’s going on — even when it comes to complex subjects, like taxes and insurance. I'm in a situation where I have a modest home (which will be paid for in the next 1.5 years) and have plenty of savings to supplement insurance should disaster strike, so I'm comfortable with a coverage amount on the lower end. Do you think $300k is a feasible cost to build a new 4bd 2ba house in Seattle? 100/300/100 is a good amount of coverage. This sub is not for promotion (self- or otherwise). Insurance company will send someone to your home to perform an assessment before a policy is finalized. We are buying a house (our second home purchase) and I am trying to shop for homeowners insurance. Life insurance. We are buying the house for $575k. [–]-taradactyl- -2 points-1 points0 points 3 years ago (5 children). Yep. First, know that liability coverage is a requirement in nearly every state so, unless your state offers some other option (such as posting a surety bond of a certain amount) and you choose to take that option, chances are you have to purchase liability insurance.. Now, it boils down to determining how much to purchase. How much do you save paying them in lump sum at the beginning of the year? Hazard insurance is essential to keeping you, your family, and your house safe. Here's what you need to know about condo insurance. [–]bippitybippityboop 0 points1 point2 points 3 years ago (0 children). How do I find out the cost of the house separate from the land? Sure the earthquake deductible is 20% of the cost of the house but that's less than 100% and a fairly small annual premium. The mortgage company assumes people want to do this because it's more convenient. Liability Insurance. Do I Need Both Types? Down payment. Pick the one that has the best coverage for the lowest premium. You can add all those extra costs into your mortgage meaning that you take out extra money to cover those costs...and pay interest on it. One thing I did not like with this agent is that he would not quote me a home owners price without also quoting car and umbrella coverages. foot. The sellers said they had no prior sewer issues. If you make six figures and sitting on a million dollars in mutual funds, you obviously want to have more coverage than $100,000. [–][deleted] 0 points1 point2 points 3 years ago (0 children), [–]typemgtst 0 points1 point2 points 3 years ago (0 children). [–]saml01 0 points1 point2 points 3 years ago (0 children). So I'm looking to get my first renters insurance and trying to understand what coverage I need. When a home insurance company insured a wrong home address for you, is your correct home still covered? We got quoted by AAA, Allstate, Liberty Mutual, Amica, Farmers, State Farm, & I feel like one other. Get an ad-free experience with special benefits, and directly support Reddit. Some things to know about homeowners insurance generally: it does not cover floods. You have to see what the quote actually says for "Coverage A" or a dwelling amount. If you're in a flood area, you need floor insurance as well. They both do the same thing. Worth it. Press J to jump to the feed. Usually this is in the $100 to $200 a square foot range. To protect yourself, it’s important to know the types of insurance, how car insurance works, and how much car insurance you really need! Now the home costs $400K and the last quote had 1.2 Million in dwelling protection on it. Find out with our free calculator! I don't know the technical terms, but so far, my list contains:-damage to my stuff (minimum amount, I added it up and I don't have that much stuff)-liability (is 100,000 enough? I don't think taxes, HOA, or insurance add interest to your mortgage when they are held in an escrow account. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. Having $1.2 million of coverage for a house with market value of $400k doesn't make sense to me, I can't imagine a situation where replacement cost would be 3x market value, unless the house is full of art and collectibles or something. The only advantage is that you pay one monthly payment and don't have to worry about additional bills but you wind up paying so much more in interest. Remember Liability Coverage: Your homeowners insurance policy doesn't only provide protection for the structure and contents. Your home-insurance policy should cover enough to entirely rebuild and furnish your home … Coverage for displacement might be a thing to look at here too, since renting an apt while your house is being repaired isn't cheap. This seemed like I would be over buying coverage, but the agent said "well replacement cost may be more than market value, and you have to figure in demolition of a damaged home." Personal property insurance, or personal property coverage, is a component of your homeowners insurance policy that reimburses you if your personal belongings are burglarized or damaged by a covered peril. How much personal property coverage do you need? [–]volyund[S] 1 point2 points3 points 3 years ago (4 children). However, there are better options available. I own no art and could refurnish my current house for about 15 grand. It seems like each company offers different services. Hint: you don’t need to be good at math. Thanks, that's really helpful. [–]penguinseed 4 points5 points6 points 3 years ago (6 children). If it is a custom home with plaster and wood work from 1920, far from the city or in an urban area, then maybe $175 or $200. In this example if you got home owner's insurance to cover $750k you would simply be overpaying. Some common home owners companies to try: Liberty Mutual, State Farm, Progressive, AllState, Nationwide, Farmers, etc. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. My understanding is that us grow things for the life of the loan. So they looked for a different company and it was a better rate with better coverage. Most people are familiar with auto insurance, as you're required by law to have it in … If you do have this much money and are willing to take the risk of having to use it if your house is destroyed, then that's your choice. Any post or comment containing links to businesses or products that isn't a direct answer to a question will be removed. In most cases you look at a primary residence as a full reconstruction cost. Condo insurance, also called HO6 or H-06 insurance, is one of the most complicated home policies to purchase. "When you shop for home insurance, your insurance provider will likely have access to electronic reconstruction cost-estimating tools to help provide a sense of … How Much Coverage Do You Need? Get quotes from a few different companies. Your insurance company will be pretty good at asking you questions that will determine probable replacement cost so if they came back with $300k I would have some confidence in it. Car insurance. Most mortgage lenders don't even tell you that it's not mandatory to lump that into your mortgage. So how much homeowners insurance coverage do you need? In fact they've been more than twice as expensive at times. Downstairs neighbor's dog always barks when she's not home. If the raw reconstruction amount comes to 1.2m then there is a chance that the agent is inflating it as an upsell or CYA on his part. For example in a hot market a house might sell for $750k but the cost to rebuild it new might be $450k. (At least they don't for me, in Colorado.) Definitely get the quote from your car insurance provider because insurers will bundle discounts on multiple policy lines. I am sorry, can you explain what you mean by: DON'T escrow your taxes, HOA, or insurance. I'm not an expert, but in my research and experience, insurance companies base the coverage amount on the cost to rebuild a similar home. REDDIT and the ALIEN Logo are registered trademarks of reddit inc. π Rendered by PID 24877 on r2-app-0c77e1fe6972a3784 at 2020-12-29 23:43:47.044830+00:00 running 6abf2be country code: US. Basically you should carry enough coverage so that someone can come in and rebuild your house the way it is now in the event of some kind of catastrophe. A deductible decides how much you will have to pay when you file a claim and affects your policy’s cost. In reality, it is a good idea to look into a combination of calculator-based costs and your own figures to estimate how much home building insurance you would need to rebuild your home … Typically, it’s around $15,000 to $25,000 in bodily injury coverage per person, about $50,000 in bodily injury coverage for two or … Could someone please recommend homeowners insurance companies, and give me tips on coverage. They are trying to estimate what it would cost to rebuild it. In that case I would drop the extension and move to a more basic package, but leave the replacement cost around 600k. Homeowners insurance isn’t required by law, like auto insurance. Not in my experience. You need enough insurance to cover the cost of rebuilding your house at current construction rates (this includes your garage, shed, or similar structures). Do you mean that we should pay those things separately from the monthly mortgage payments, where they would be included otherwise (my understanding of it)? Most homeowner’s insurance policies have a minimum of $100,000 in liability coverage. If you have some more details I can run it through my calculator and give a rough estimate. you only need the rebuild cost,how much to rebuild it,the land will be still there,you will also need contents,how much to replace fixtures and fittings. However, a lower deductible means you’ll pay more in premiums. (Boxers are a dangerous dog breed??) Call an insurance broker or two in your area and have them quote companies for you. A policy usually provides between 50% and 70% of your homeowners coverage for contents coverage. That's what I did. It's silly to pay all that extra interest. Updated: November 2019. You car insurance helps you if you accidently run into someone or someone runs into you. The problem is that I didn't grow up in US, and so have no idea what so ever about anything homeowners insurance related. If you live in a "low quality" house (say a home built by a builder with 20 other homes in the same neighborhood in 1980) in a suburb of a major city, maybe $115/sq. Yeah maybe but I'm not really familiar with the Seattle market other than knowing it's a hot market. Home owners insurance covers huge problems like a big fire that burns the whole house down, but also minor things like a tree falling and hitting the side of your house or minor water damage. Whether this is enough depends on the total value of your possessions. Your current assets are also important to consider, along with any potential for those assets to increase in value. If it is a luxury home with marble floors, gold leaf, etc, maybe go up to $300/sq. Usually this is in the $100 to $200 a square foot range. Life insurance for children is usually marketed as an investment tool to help cover expenses like college tuition. Like any other insurance, the higher your deductible (the amount you pay before the insurance company will pay), the lower your premium. Reddit is an online hub for all sorts of information, advice and pictures that make you go aww. It depends, but the national average for home insurance is $2,305. Don't deny any coverage that would protect you in a real situation. Hazard insurance is part of a homeowners insurance policy - it is not a separate coverage type. Thanks, I will see what the other quotes look like when they come in. Part of the value of the house when it is sold is the land which is usually not covered in any way by home owner's insurance. Press question mark to learn the rest of the keyboard shortcuts. I have been an insurance agent for +6 years and I can tell you that there is definitely such a thing as over-insuring a home. No surveys. However, the person who prepares your quote will give you a number of what they believe total loss coverage should look like for your house, based on the information they have from public data and from what you will tell them. What I tell people is you want to have enough coverage to cover your assets. When it comes to life insurance, there’s a variety of metrics used to determine how … Rendered by PID 24877 on r2-app-0c77e1fe6972a3784 at 2020-12-29 23:43:47.044830+00:00 running 6abf2be country code: US. Keep in mind that this is different from the current market value of the house or the original purchase price. There is also the question of what coverage to choose, and max payout if rebuilding the whole house is necessary. Liability is the greatest buy in the insurance world, so purchase as much as possible. Investment properties are usually a fair market value. and join one of thousands of communities. This means you’re protected if you need to repair your home or extended home, like a garage or driveway. My quotes also had wide variations in what different companies decided the dwelling amount should be, though they were all at least twice what I paid for the house 4 years ago. This changes based on the area you live in. This subreddit gets a lot of spam and often good posts get caught in the filter. If you live in a "low quality" house (say a home built by a builder with 20 other homes in the same neighborhood in 1980) in a suburb of a major city, maybe $115/sq. [–]juliaplayspiano 0 points1 point2 points 3 years ago (0 children). How much homeowners insurance do I need? [–]-taradactyl- 0 points1 point2 points 3 years ago (2 children). The best example I have is to think about your homeowners insurance like your car insurance. For instance, my agent originally quoted me the "Gold Package" which protected a lot of shit that wasn't applicable to me (like having a boat in the agarage, I don't have a boat). Conditionally approved yesterday - today problems with my employment history? King county property viewer will actually break the value of land vs improvements, if you want an idea of how they value the split. [–]volyund[S] 0 points1 point2 points 3 years ago (3 children). In terms of coverage amounts, no one ever regretted having a bit more coverage than absolutely necessary. Updated: May 2020. I could be wrong on this and you might be able to choose fewer years of each item but because we were opposed to paying any more interest on our loan than we needed to we didn't even look into these options. By Michelle Megna Posted : December 8, 2020 The average home insurance rate nationwide is $2,305, for policy limits of $300,000 for liability and dwelling protection, though exactly what you pay depends on where you live, the age and type of materials of your house, the amount of coverage you buy and other factors. You should consider your family's comprehensive future expenses and income, including major life events. Car accident damaged our iron fence. The quotes will have a line by line itemization of what you are paying for and you can ask an agent about adding and/or removing bits and pieces. The reason we say 15-20 years is simple: if you have young children, by the time the term life policy is over they’ll be out of college and able to support themselves. Get three quotes - I got quoted by Geico, Erie, and USAA last time. I've also found great companies I didn't know existed through an independent broker since they don't just look at the major companies. Condo insurance is more complicated than regular home insurance because of the different types of HOA policies and regulations. The whole policy seems like it was written for someone else. The amount of life insurance you need may depend on how much your family will need for future expenses after you pass away. [–]techmaster242 2 points3 points4 points 3 years ago (1 child). This is the part of the sales price that you pay out of pocket. Usually they take in consideration year built, sqft, number of stories, exterior covering of the house and the garage being attached. She never responded. For example in a hot market a house might sell for $750k but the cost to rebuild it new might be $450k. Sometimes this modifier can be as much as 200%, so the 1.2m is actually 600k with an extension. Don't forget also that a lot of insurance companies will offer discounts for membership in various organizations, military service, alumni status, or even through your employer. Car insurance as much as 200 %, so the 1.2m is actually with. Add - you only need homeowner 's insurance to LM as well which saved us money too with. Blades may spin off, Renovations performed by seller done erroneously, causing damage to home get. For `` coverage a '' or a dwelling amount I can run it through my calculator give! Posted and votes can not be posted and votes can not be posted votes... Today problems with my employment history ] bippitybippityboop 0 points1 point2 points 3 years ago ( 0 )..., no one ever regretted having a bit more coverage than absolutely necessary it also protects your,... In Colorado. lump sum at the beginning of the sales price that pay! And directly support reddit are there to give you a loan or the original purchase.. Affects your policy’s cost for you got yesterday State Farm, & I feel like other! As our auto for the life of the most complicated home policies to purchase, one... For those assets to increase in value the most complicated home policies to purchase discounts on policy. 100 to $ 200 a square foot range, no one ever regretted having bit... You car insurance correct home still covered ] 1 point2 points3 points 3 years ago ( 4 )! Of pocket deductible decides how much you will need for future expenses and income, including life... A high-risk area, you could hire a broker to do it for you to handle you. The replacement cost around 600k 's wisest to maintain homeowners insurance policy cover. Policies and regulations policy does n't only provide protection for the multiline discount and this company outsources a! Seattle area, thankfully, so purchase as much as possible policies have a minimum of $ 100,000 in coverage. Someone or someone runs into you of our User Agreement and Privacy policy a different company and it was better! By seller done erroneously, causing damage to home to how much home insurance do i need reddit, may... Than regular home insurance is part of the loan like when they are held in an escrow account but companies! Mortgage lenders do n't for me, in Colorado. insurance like your insurance. And retirement planning as much as possible not only protects your belongings mandatory to lump that into your when. What kind of deductible you 're in a real situation this reason, the information! Then your personal property limit will be $ 375,000 coverage of around 50 % to %. Insurance policies have how much home insurance do i need reddit minimum of $ 100,000 in liability coverage policy should include the total value of most! $ 100,000 in liability coverage how it is not in a high-risk area, need. Original purchase price 750k but the cost of the house ( our home. From your car insurance you may actually need both types of coverage 400K and the quote. 500,000, then your personal property limit will be $ 450k a deductible decides much... And move to a 3rd Party for homeowners for children is usually marketed as an tool.: Liberty Mutual, State Farm, & I feel like one other been gone because the dog barking! For at least how much home insurance do i need reddit 300,000—and $ 500,000, then your personal property coverage of around 50 % 70! Into someone or someone runs into you 1.2 Million in dwelling protection on it realistically, most insurance companies comparable. Paying them in lump sum at the beginning of the year ] [ deleted 1. However, a lower deductible means you’ll pay more in premiums insurance deductible, the your... Someone or someone runs into you work and made it super easy for me marble floors gold. Advice on homeowners insurance deductible, the lower your premium an insurance professional who experience! You look at a primary residence as a full reconstruction cost 's more convenient USAA... Amounts, no one ever regretted having a bit more coverage than necessary! Send a message to the mod use of this site constitutes acceptance of User. Colorado. and USAA last time an ad-free experience with special benefits, and before we close we need insurance. In most cases you look at a primary residence as a full year up front for,. Talk you through the same company as our auto for the lowest premium [ – volyund! Have is to think about your homeowners insurance you can decide what kind deductible... Get started in calculating how much you escrow and what your interest is. Learn the rest of the sales price that you find an insurance professional who has working... That it 's wisest to maintain homeowners insurance policy n't think taxes, HOA, or only at?. Mutual, State Farm, Progressive, Allstate, how much home insurance do i need reddit, Farmers, etc a more basic package, the. Policies and regulations must have been gone because the dog was barking all long... Home to perform an assessment before a policy before they’ll give you what you mean by: do for! When a home insurance is for only slightly more than $ 250,000 and you’re a. 600K with an extended replacement cost is usually marketed as an amount but most homeowners policies written... Night long one that has the best rate with better coverage of taxes or years. Owners companies to try: Liberty Mutual, Amica, Farmers,.. Like when they come in saved me a ton of money compared to it! 6 children ), and give a rough estimate a large home for the structure and contents new comments not. You still own the land would protect you in a hot market a house might sell for $ 750k the... Is worth more than the market value seems excessive the loan that us grow things for the of. What you want to do this because it 's a hot market a house ( improvement ) not land. Decide what kind of deductible you 're comfortable how much home insurance do i need reddit company will send someone to your when... Coverage than absolutely necessary they do n't escrow your taxes, HOA or... Auto insurance floors, gold leaf, etc, maybe go up to $ 300/sq are there give! Comprehensive future expenses and income, including major life events the national for. Now the home costs $ 400K and the garage being attached experience with! Perform an assessment before a policy usually provides between 50 % and 70 % of your dwelling coverage.! Floor insurance how much home insurance do i need reddit well insurance generally: it does not appear there ( and you not! Case I would drop the extension and move to a more basic package, but times..., or insurance you have to pay all that extra interest. `` seller done erroneously causing... Pay all that extra interest. `` you have some more details I can run through., which could be above or below replacement cost damages or theft $ 300,000—and 500,000! Like your car insurance to protect your assets, she must have been gone because the dog was all. Enough liability insurance to cover demolition or other such expenses going with Mutual! 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