HELP.....I can't get insurance

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Submitted by simombart on January 19, 2015 - 8:56am

I was with Travellers / Geico for the last 15 years. I was just dropped for being 2 weeks late on my most recent renewal. They won't renew the policy..and I've had no luck with the sales team they directed me to.

I can't get anyone to reinsure me due to having an original 1930'sfloor-furnace installed (even though it's disconnected). I don't use central heating and don't want to install a new system when I don't need one. They won't insure without having a new heating system.

I need to get re-insured before my mortgage company is notified.

Does any one have a recommendation for a San Diego based insurance broker that can get me good replacement coverage for a craftsman bungalow that is in extremely good condition.
It needs to be insured for replacement value which is substantially above the typical rebuild cost for a house of this size.

Submitted by FlyerInHi on January 19, 2015 - 12:53pm.

Try the Hartford.

Submitted by svelte on January 20, 2015 - 8:24am.

My dad had a small no-name company as the insurer on one of his rentals. When a major unfortunate incident arose, they refused to pay. He had to take them to court to get them to pay up (he won).

He has sworn to only go with companies with good reputations from now on.

I guess what I'm trying to say is installing a new heating system now may end up saving you money in the long run...

Submitted by moneymaker on January 20, 2015 - 10:35am.

When it comes time to sell a heating system is required by law. If you need a quote my brother works in the business PM me. I'm also surprised you can't get insurance, usually it is just a matter of price.

Submitted by bibsoconner on January 20, 2015 - 11:07am.

I whole heartedly recommend Bill Flanigan with State Farm:

8888 Clairemont Mesa Boulevard, San Diego, CA 92123
(858) 279-2173

When I had my house in Kensington, I was cancelled by AllState right after I bought the house. Their reason was "roof on garage is old", but I suspect they didn't realize when they provided insurance before the sale that the house was on a canyon. Anyhow, because of the age of the house and the canyon, I had a hard time getting insurance. Bill fixed me up.

Curiously, I had a 1930s German made floor heater. Worked great! Unfortunately, my 2 year old stepped on it and got a foot burn that required an emergency room visit. That incident cost me $100 for the emergency room visit and $7000 for central heat and air. My wife insisted that we take out the floor heater. I attempted to reason with her; suggested a simple kid gate around the grate would work fine, but in the end I decided that $7000 was cheaper than a divorce.

Good luck to you.

Submitted by spdrun on January 20, 2015 - 12:02pm.

Second the recommendation for State Farm, though I used a different agency.

As far as heating system, do things like under-floor heat or wall heaters suffice under law?

Submitted by FlyerInHi on January 20, 2015 - 2:33pm.

I can't stand Farners, Allstate, State Farm. They are expansive.

I would much raher fo Empire Fire and Marine, Wawanesa, the hartford, firemen's fund, etc.

Check wirh your employer, AARP, AAA, Costco, American express, etc.

Submitted by skerzz on January 20, 2015 - 3:56pm.

I recommend State Farm; I've noted a couple reasons below:

1 - Their home insurance policy does not discriminate based on dog breed. i.e. I have a higher rate because of the dog, but they didn't ask which breed I own (several insurance companies wont insure if you own one of the "scary breeds").

2 - State Farm was very fair and moved rather quickly when handling a recent fire claim (My house was in the heart of the San Marcos wildfire burn area last May).

3- Motorcycle insurance premiums for me while I was young and in college were about 10% of what the "big" motorcycle insurance carriers (Geico, Progressive) wanted to charge me.

They may not be the cheapest, but prices are still very reasonable, and I trust (based on recent experience) that I'll be covered in the event of an accident/disaster.

Submitted by FlyerInHi on January 20, 2015 - 5:56pm.

Skerzz, you're right ahout the motorcycle insurance part. I never hard a "scary" dog so I don't know.

I haven't had any claims. But I think if you go with a well rated, reputable company, you should be ok.

But then again, I'm not a loyal kind of person who will pay higher rates year after year just for good experience and customer service.

Submitted by Balboa on January 20, 2015 - 9:53pm.

This may sound odd, but maybe contact one of the agents on this deal:

That house is in my neighborhood and, before seeing it, I had never even heard of a floor furnace.

Wawanesa and AAA turned us down due to proximity to canyon (within 1000 feet). The hazard disclosure shows us technically outside of the fire zone, but I wasn't surprised. Those are some pretty conservative organizations. State Farm also turned us down, but I don't know if it was because of the canyon or the seller's $7,000 claim with them two years ago.

Farmers didn't have an issue with the canyon, but the seller's previous claim required special review and an exception. I don't remember the quote, but it was less than what the mortgage broke gave in the good faith estimate.

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