Thread: Homeowners Insurance

I have full replacement value as well. I couldn't begin to rebuild if I didn't have at least that much. And it covers all of the trees on the property as well. I went through my home owners policy and I couldn't find anything that it didn't cover.

Just got ours, its $985 for year though we are in WA state

dlwt, I'm in WA too and after owning my house for 8 years, I switched 3 insurance companies because of rudicilous increase in premiums. The last bill I got from Hartford in 2003 was over $1100 I switched to Allstate and it was $498 -- less than half for same coverage. It increased so far on $15 in one year.

Ya'll have it cheap in the states ya'll are in! I'm in Houston, and our insurance (with contents) is $1,300 a year.....luckily it's escrowed

i miss washington but i don't miss how expensive it was to live there.

Originally Posted by Judy

I know this may be a personal question.
But, I was just wondering what you have to pay annually for your home owners insurance. We just got our bill for this year 2005 and I nearly flipped. It is nearly $600.00. I have NEVER even had a claim in all the years we've owned this house! We also have our truck insured with the same company.
Keep in mind this isn't a mansion either. It is a simple Cape on a quarter acre lot.

Judy

I wrote a check last month for $750.00. We have a 3/2/2. Last year (2004) payment was $650.00. So they went up for 2005. I guess (for me) it's welcome to owning a home. We're in Houston as well. It's the cheapest rate I could find when we had our house built in 2002.