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Registered
Join Date: Nov 2005
Location: CA
Posts: 7,286
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House insurance opinions.
Hi guys,
Those of you in SCal, if you own and experienced dealing with insurance companies, may I ask your opinion. I am between Farmer, AAA, and Wawanesa and can't make up my mind. Farmer is around $200+ lower in premium. AAA is a little below Wawanesa. Should I just go for the lowest (Farmer), or should I spend more to go with AAA or Wawanesa? AAA has the Guaranty replacement cost, another $200 added to the premium. Do they really guaranty to replace everything in your house without anything out of your pocket when anything happen?
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Fat butt 911, 1987 |
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03-22-2011, 02:51 PM
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AutoBahned
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see if you can get on with Amica -- or if a vet., USAA
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03-22-2011, 03:52 PM
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Hi
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Whom ever you go with make sure the policy covers Code Updates.
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"A good sense of humor is the best thing to have in your toolbox when working on these cars." Quote by Charles Freeborn, Pelican. |
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03-22-2011, 04:12 PM
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Detached Member
Join Date: May 2003
Location: southern California
Posts: 26,964
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They will often under quote you to get the Biz. $200/ sq.ft. with code upgrades is what you want if you live in brush country. For that matter, if you're concerned about fire burning it to the ground.
If you do car and home with the same insurer, consider asking about a $1 million umbrella, not a lot more money.
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Hugh |
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03-22-2011, 04:17 PM
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Registered
Join Date: Mar 2004
Location: Los Angeles
Posts: 17,340
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AAA will not cover high fire area like brush country. I have had no luck with them. I am in the Canyon, Mt Washington.
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03-22-2011, 05:51 PM
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Registered
Join Date: Nov 2005
Location: CA
Posts: 7,286
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what is code upgrades, may I ask?
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Fat butt 911, 1987 |
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03-22-2011, 11:19 PM
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Member 911 Anonymous
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At time of incident, rebuilt to most current codes, apparently if you do not have that, you have to pay the difference or be stuck with it.
You are not in high fire or flood so I would not worry about that clause. Just remember if insurance company's run out of money when a disaster strikes and you are slow to file a claim you are stuck, ask the Northridge residents.
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'85 Carrera Targa Factory Marble Grey/Black * Turbo Tail * 930 Steering Wheel* Sport Seats * 17" Fuchs (r) * 3.4 * 964 Cams * 915 * LSD * Factory SS * Turbo Tie Rods * Bilsteins * Euro Pre-Muff * SW Chip on 4K DME * NGK * Sienes GSK * Targa Body Brace PCA/POC |
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03-22-2011, 11:46 PM
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Former Drama Queen...
Join Date: Oct 2002
Location: San Pedro, CA
Posts: 1,722
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Wawanesa does Homeowners? I have them for Auto and Travelers for Home.
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~ Kim (KDOLL2) It is better to cry in a Porsche then in my Vue... |
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03-23-2011, 01:31 PM
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Registered
Join Date: Nov 2005
Location: CA
Posts: 7,286
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yes, they have home now but their home is separate, therefore you won't get multiple ins. discount.
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Fat butt 911, 1987 |
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03-23-2011, 02:01 PM
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Registered
Join Date: Nov 2005
Location: CA
Posts: 7,286
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I just called AAA and they do have building code upgrade, at least for my area.
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Fat butt 911, 1987 |
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03-24-2011, 02:47 PM
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Gretchen
Marble Grey
