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It's always worth contacting your home insurance provider to see if they can reduce your premiums at all. Sometimes we forget when circumstances change - kids move out or we install an alarm for example - that our insurers may be willing to cut our payments. For the price of a phone call, you could save quite a few bucks!
Kay
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I got mine in for the house insurance the day before yesterday and it's up $70! We only took it out a year ago and haven't had any claims. I'm mad! I wanted to call them but my husband said no, we'll just renew it because it's not worth the upheaval. He's an "anything for a quiet life" kind of guy. Men...
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I got mine in for the house insurance the day before yesterday and it's up $70! We only took it out a year ago and haven't had any claims. I'm mad! I wanted to call them but my husband said no, we'll just renew it because it's not worth the upheaval. He's an "anything for a quiet life" kind of guy. Men...
Greenmachine, that must be frustrating. I'd be on the phone like a shot. You could always get quotes online for comparison sake. Is it possible that showing him what you could save would change his mind? I wouldn't want you to do anything that would cause a row between you but that's a lot to just accept as the way it is.
(Check out the fancy new quote action I did there hehehe)
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Does anyone know where you can compare insurance company quotes side by side online that's independent? I'm probably being too optimistic here. Does that exist? I want to fill in the form once and only once. I hate repeating all the information on dozens of sites.
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I have my HO insurance with USAA. I generally review it annually in July. I have made a few adjustments to the coverage over time, but since it has an inflation adjustment feature I find that I do not have to tinker with it that much.
I used to compare rates the USAA has with other HO insurance companies since I was in that business for a while, but the rates that I am charged by USAA are always much lower than other company rates for simular HO coverage, even if I received a 10% commission. I don't check the rates any more.
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After you compare HO insurance rates online, you still do not want to jump too fast. There are HO insurance scams out there and it is a very good idea to do a little research into the company before you buy. Make sure that they are actually paying out on their claims.
Too many people thought they have been well covered - when they were not covered at all. Also, realize that some insurance policies only cover you for certain events - the rest has to be covered as a rider.
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You need to be comparing like with like as well. Company #1 could be costly but cover is old for new and company #2 could be less but will take into account the age of appliances or furnishings if you had a fire or flood. The cheapest choice could cost more in the long run.
©2009
I think when it's something you pay automatically month after month through the bank it never crosses your mind until the renewal notice comes in. Even then I spent years signing it and sending back the acceptance to them every time without querying it. After a friend told me she'd got hers reduced I followed it up and did get one.