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Homeowner's Insurance

Discussion in 'Louisiana' started by JSinNOLA, Dec 28, 2012.

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  1. JSinNOLA

    JSinNOLA Two Time F1 World Champ
    Sponsor Lifetime Rossa Owner

    Mar 18, 2002
    20,246
    Denver, CO
    #1 JSinNOLA, Dec 28, 2012
    So I'd be curious what you guys here in S. Louisiana have heard about homeowner's insurance options these days. Might want to shop it around but would like to hear if anyone else has done this recently.
     
  2. johnhoughtaling

    johnhoughtaling Formula 3

    Nov 6, 2002
    2,113
    New Orleans
    Full Name:
    John William H.
    #2 johnhoughtaling, Dec 29, 2012
    Chartis is by far the best homeowner insurer in the US. Companies like Allstate/State Farm and others are notorious for selling policies that are illusions of protection. In my experience They are wonderful at collecting premiums yet when you make a claim they become your complete adversely when you need the insurance (whether you realize it or not). They are very skilled at the claim management process and can fleece you with a smile and without you realizing it.
     
  3. xotik

    xotik Formula Junior

    Feb 23, 2009
    260
    Gulf Coast
    Full Name:
    Chad
    #3 xotik, Dec 29, 2012
    I couldn't agree more. Ask me how I know...
     
  4. JSinNOLA

    JSinNOLA Two Time F1 World Champ
    Sponsor Lifetime Rossa Owner

    Mar 18, 2002
    20,246
    Denver, CO
    #4 JSinNOLA, Jan 2, 2013
    Interesting/useful responses. Thanks for the thoughts.
     
  5. sparta49

    sparta49 F1 Veteran
    Owner

    Mar 3, 2001
    7,804
    LA
    Full Name:
    Frank
    #5 sparta49, Jan 4, 2013
    I can agree with John on State Farm. They screwed me good on a fairly minor claim from Katrina. I did get some satisfaction jerking 2 homeowners policies, 2 umbrella policies and 5 car policies from them though.
     
  6. Craigy

    Craigy Formula 3

    Mar 19, 2006
    1,679
    Louisiana
    Full Name:
    Craigy
    #6 Craigy, Jan 12, 2013
    State Farm decided to stop writing new policies for existing customers about a week before I bought my house. So they lost by default. . .

    I ended up going with Farm Bureau (agent is a friend of mine) who actually beat the best prices that I got from two other insurance brokers who were quoting me prices from several companies. I was worried that I was going to have to tell him sorry but I was surprised they came in with the best rates.

    Let me know if you'd like my agent's contact info.

    If you want the "best" though I think that would probably be Chubb, but it is very pricey.

    Funny with State Farm after Katrina there were tons of people getting screwed, and then tons of people who got to remodel their houses for free after the storm. Many people I know really ended up being much much better off after their homes got Broussarded.
     

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