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Re: Homeowner's Insurance
#12
Home away from home
Home away from home


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From Bergen Hill
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Quote:

diamat wrote:
Curious to know where anyone with a historic house - especially with a flat roof - gets insurance, and what the going rates are.
Ours is through Chubb, but the policy price has more than doubled over the past 2 years, though we haven't made any claims.
Am ready to switch but options are limited for flat roofs.
Thanks!

I'm in a similar boat. Insurance on a flat roof and an historic home is somewhat crazy. A lot of places won't even offer it. I had to go through The Philadelphia Contributionship. Though, I needed to use an agent to go through them. It's not the most pleasant and I can't say that I enjoy using them, but they have had the least expensive rates thus far so...

Posted on: 2014/9/4 16:06
Dos A Cero
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Re: Homeowner's Insurance
#11
Just can't stay away
Just can't stay away


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Curious to know where anyone with a historic house - especially with a flat roof - gets insurance, and what the going rates are.
Ours is through Chubb, but the policy price has more than doubled over the past 2 years, though we haven't made any claims.
Am ready to switch but options are limited for flat roofs.
Thanks!

Posted on: 2014/9/4 12:52
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Re: Homeowner's Insurance
#10
Home away from home
Home away from home


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shuklad wrote:
i prefer NJM -- nonprofit insurance company that pays dividends each year


I would be a policyholder of them if I could. Unfortunately, not just anyone can get a policy from them under their somewhat exclusive criteria for joining, much like Amica, another insurance company I'd rather be using but I'm not eligible for. So NJM may not work for the OP.

Posted on: 2014/8/15 11:08
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Re: Homeowner's Insurance
#9
Quite a regular
Quite a regular


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i prefer NJM -- nonprofit insurance company that pays dividends each year

Posted on: 2014/8/15 10:32
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Re: Homeowner's Insurance
#8
Home away from home
Home away from home


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heights wrote:
I wish I had a friend in the insurance business then I would not have to give out my name, rank, and serial number just to get a quote. I bet those in the industry could get and give a ball park figure anytime.


They need all that info because they pull your credit reports and claim history. The premium they quote you is based on that - whether or not credit history is a fair measure of risk is altogether another debate, but that's how the industry operates. Even if you had a friend in the biz, they still would need your social security number because no underwriter would even offer a policy without the basics.

Posted on: 2014/8/15 10:14
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Re: Homeowner's Insurance
#7
Home away from home
Home away from home


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I wish I had a friend in the insurance business then I would not have to give out my name, rank, and serial number just to get a quote. I bet those in the industry could get and give a ball park figure anytime.

Posted on: 2014/8/15 10:10
Get on your bikes and ride !
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Re: Homeowner's Insurance
#6
Just can't stay away
Just can't stay away


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If you need only Home Owner's I recall Metlife to be cheapest from my previous search. I like to have same company for car and home and pay a little more so that in gray area they can't point the finger at each other to avoid claim.

Watch out for Liberty Mutual especially for car. I had both condo and car with them. I found them to be bait with lower rates first year and increase each year for no reason(no claims, tickets etc). On average they raised 7% on me and when questioned they said it was State approved yearly increase. 3rd year I dumped them for Fitchburg Mutual. Local agency I use is Petrocci.

If you go to NJ State Govt Insurance website you can see what average company charges for age group and marital status etc

The data is kind of old but good for comparison.

http://www.state.nj.us/dobi/division_ ... autopremiumcomparison.htm.

http://www.state.nj.us/dobi/division_ ... e/homeownercomparison.htm



Posted on: 2014/8/14 13:14
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Re: Homeowner's Insurance
#5
Not too shy to talk
Not too shy to talk


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We've used Joe Nachbaur at State Farm for home and auto for +5 years. Pleased with the service.

https://www.statefarm.com/agent/US/NJ/ ... /Joe-Nachbaur-GZLH71YS000

Good luck.

Posted on: 2014/8/14 12:03
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Re: Homeowner's Insurance
#4
Just can't stay away
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For an agent, I'd recommend Brown & Brown.

Posted on: 2014/8/14 11:59
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Re: Homeowner's Insurance
#3
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Liberty Mutual has been great so far.

Posted on: 2014/8/14 11:03
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Re: Homeowner's Insurance
#2
Home away from home
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I use Homesite. Their website is www.homesite.com. Their policy premiums seem reasonable enough. Never had to make a claim, so I don't know how good they are about that.

I buy it through the same agent I use for my car insurance, and he is down in Trenton. But I believe you can buy a policy straight from their website.

Posted on: 2014/8/14 10:28
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Homeowner's Insurance
#1
Just can't stay away
Just can't stay away


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Any recommendations for a house in JC? Agents and/or companies?

thanks!

Posted on: 2014/8/14 9:17
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