Recs for home insurance? Progressive just dropped us

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Submitted by Balboa on August 3, 2021 - 7:40am

After 5 years we shopped around for homeowners rates and made a switch to Progressive/American Strategic Insurance Corp. After 6 weeks we got a notice they are dropping us because "The roof type does not meet our eligibility criteria." Our main roofs are 3 years old, though we do have two small roof areas that we did not replace - but the roof types are completely standard and were disclosed ...fun.

Any recommendations for brokers or carriers? We liked our old Farmers agent, but he sold and the new person is not great. Possible relevant details for the property:

-- 92116 but not directly on a canyon
-- Pool (plans to remove but still here for now)
-- 2 adults, 2 cats, no dogs or kids
-- I'm WFH for now but normally the property isn't used for business activity
-- We've never made a claim or missed any payments

Thanks!

Submitted by Coronita on August 3, 2021 - 8:21am.

my primary home is currently insured with "American Modern Insurance"... Found cheaper than my previous allstate insurance

have you checked with costco? They offer home and auto, and at least with auto, it was very competitive.

I just switched my 3 of my cars From allstate to costco's provider and for those 3 cars, my insurance has better coverage and the premium is lower by almost $600/year

The other two (old audi and miata) would have been cheaper at costco too, but i found out those two can be insured for really cheap by Hagerty as a classic car and so its like $350 for both of them per year with the max liability, collision, comprehensive,. and special provisions for parts write off worth more than the car itself...

Submitted by teaboy on August 3, 2021 - 9:02am.

I got the lowest rate I could find at www.hippo.com
All online and so very easy for simple situations like yours & mine.

Been ok for 3 years now, but they keep jacking up the rate each year like every insurer so I may have to endure the hassle of shopping around again this month..
1st year.. $599
2nd year.. $731
3rd year.. $863
Next year.. $1063

tb
note: It's that cheap cos i opt for a $10k deductible.

Submitted by Balboa on August 3, 2021 - 9:32am.

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Submitted by Balboa on August 3, 2021 - 9:33am.

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Submitted by Balboa on August 3, 2021 - 9:33am.

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Submitted by Balboa on August 3, 2021 - 9:33am.

Coronita wrote:
my primary home is currently insured with "American Modern Insurance"... Found cheaper than my previous allstate insurance

have you checked with costco? They offer home and auto, and at least with auto, it was very competitive.

I just switched my 3 of my cars From allstate to costco's provider and for those 3 cars, my insurance has better coverage and the premium is lower by almost $600/year

The other two (old audi and miata) would have been cheaper at costco too, but i found out those two can be insured for really cheap by Hagerty as a classic car and so its like $350 for both of them per year with the max liability, collision, comprehensive,. and special provisions for parts write off worth more than the car itself...

Costco is a good idea I never seems to have. I'll definitely check it out since I'll be cancelling my Progressive for auto after this.

I wish I was insuring a Miata!

Submitted by Balboa on August 3, 2021 - 9:42am.

teaboy wrote:
I got the lowest rate I could find at www.hippo.com
All online and so very easy for simple situations like yours & mine.

Been ok for 3 years now, but they keep jacking up the rate each year like every insurer so I may have to endure the hassle of shopping around again this month..
1st year.. $599
2nd year.. $731
3rd year.. $863
Next year.. $1063

tb
note: It's that cheap cos i opt for a $10k deductible.

Thanks! A friend also said they were happy with Hippo. I worry a bit because our house is old and hers is not. After getting cancelled by Prog/ASI, I did some more research and saw Reddit posts from industry people saying ASI is good if you've got a spotless new build but that they are will decline to underwrite ever for cosmetic issues. I think they actually sent someone out -- noticed a lurker a month or so ago-- who looked at the front of our house and said "Nah."

So now I wonder how many other places are that choosy. It's not like a tornado is going to come thru and they'll be on the hook to replace my beat up redwood exterior but who knows.

Submitted by sdrealtor on August 3, 2021 - 11:56am.

Do you have a kitchen with knotty pine cabinets? Asking for a friend

Submitted by Coronita on August 3, 2021 - 11:56am.

Balboa wrote:
Coronita wrote:
my primary home is currently insured with "American Modern Insurance"... Found cheaper than my previous allstate insurance

have you checked with costco? They offer home and auto, and at least with auto, it was very competitive.

I just switched my 3 of my cars From allstate to costco's provider and for those 3 cars, my insurance has better coverage and the premium is lower by almost $600/year

The other two (old audi and miata) would have been cheaper at costco too, but i found out those two can be insured for really cheap by Hagerty as a classic car and so its like $350 for both of them per year with the max liability, collision, comprehensive,. and special provisions for parts write off worth more than the car itself...

Costco is a good idea I never seems to have. I'll definitely check it out since I'll be cancelling my Progressive for auto after this.

I wish I was insuring a Miata!

Miata's aren't that expensive to have.
NB's go for around $5-7k and pretty cheap to insure and pretty cheap to fix.

https://sandiego.craigslist.org/csd/cto/...

Submitted by Balboa on August 3, 2021 - 5:59pm.

sdrealtor wrote:
Do you have a kitchen with knotty pine cabinets? Asking for a friend

Ha, nope. Nothing notable about them.

Submitted by Balboa on August 3, 2021 - 6:02pm.

Coronita wrote:
Balboa wrote:
Coronita wrote:
my primary home is currently insured with "American Modern Insurance"... Found cheaper than my previous allstate insurance

have you checked with costco? They offer home and auto, and at least with auto, it was very competitive.

I just switched my 3 of my cars From allstate to costco's provider and for those 3 cars, my insurance has better coverage and the premium is lower by almost $600/year

The other two (old audi and miata) would have been cheaper at costco too, but i found out those two can be insured for really cheap by Hagerty as a classic car and so its like $350 for both of them per year with the max liability, collision, comprehensive,. and special provisions for parts write off worth more than the car itself...

Costco is a good idea I never seems to have. I'll definitely check it out since I'll be cancelling my Progressive for auto after this.

I wish I was insuring a Miata!

Miata's aren't that expensive to have.
NB's go for around $5-7k and pretty cheap to insure and pretty cheap to fix.

https://sandiego.craigslist.org/csd/cto/d/san-diego-1999-mazda-miata-mx/7352900045.html

It's true. But I need an automatic (I know, I know) and those are harder to come by. Learning to drive stick should have been my pandemic project!

Submitted by Coronita on August 3, 2021 - 7:57pm.

Balboa wrote:
Coronita wrote:
Balboa wrote:
Coronita wrote:
my primary home is currently insured with "American Modern Insurance"... Found cheaper than my previous allstate insurance

have you checked with costco? They offer home and auto, and at least with auto, it was very competitive.

I just switched my 3 of my cars From allstate to costco's provider and for those 3 cars, my insurance has better coverage and the premium is lower by almost $600/year

The other two (old audi and miata) would have been cheaper at costco too, but i found out those two can be insured for really cheap by Hagerty as a classic car and so its like $350 for both of them per year with the max liability, collision, comprehensive,. and special provisions for parts write off worth more than the car itself...

Costco is a good idea I never seems to have. I'll definitely check it out since I'll be cancelling my Progressive for auto after this.

I wish I was insuring a Miata!

Miata's aren't that expensive to have.
NB's go for around $5-7k and pretty cheap to insure and pretty cheap to fix.

https://sandiego.craigslist.org/csd/cto/d/san-diego-1999-mazda-miata-mx/7352900045.html

It's true. But I need an automatic (I know, I know) and those are harder to come by. Learning to drive stick should have been my pandemic project!

automatic miatas are much easier to find than manual, because most people prefer manual. So if you want an automatic, far less competition and probably far less abused since they probably dont end up at autocrosses and track days.

This one looks like its in pretty good shape, and 100k miles...if its true...

https://sandiego.craigslist.org/nsd/cto/...

PRHT NC miata automatic.

https://sandiego.craigslist.org/csd/ctd/...

if i was getting an automatic, id probably get the NC hardtop

ND hardtop
https://sandiego.craigslist.org/csd/ctd/...

Also John Hine Mazda is closing down for good in September 6. (owner sold to Carvana and carvana doesnt want to keep the mazda franchise). im told their remaining ND RF miatas are all automatics. (my colleague wanted to get a manual). You might be able to get a deal on one.

Sorry, im a bad influence.

Submitted by svelte on August 4, 2021 - 4:14pm.

We're not much of a price shopper for insurance, if we find a good company we stay with them. Which is why we were with AAA for auto insurance forever.

That is, until our car purchase last year. It was an expensive car, granted, but they insured us immediately then put the car on a "pending" list. I called and asked what that was and they said it hadn't received final approval but I was covered in the interim. It was like that for a month before I lost my patience and started calling around.

Turns out that, by transferring auto insurance over to who held our home insurance (Liberty Mutual), I could get the house, cars, earthquake, AND umbrella insurance and still pocket $800/year over what I was paying before. AAA was putting the screws to us! Or maybe I'm talking too soon and LM will jack up the rates when we renew in a couple of months. We'll see. I will say this: the LM agent was a pleasure to work with. We'll see if that is true if we ever have to file a claim. :-)

Submitted by svelte on August 4, 2021 - 4:19pm.

Coronita wrote:

Also John Hine Mazda is closing down for good in September 6. (owner sold to Carvana and carvana doesnt want to keep the mazda franchise).

I just read that Carvana is building a Carvana car vending machine at the corner of I-15 and 78 in Escondido. We had been seeing the structure going up and couldn't figure out what it was.

So I read up on the car vending machine thing. What a gimmick! But I guess if it makes car buying fun, who am I to judge? I just hope they don't regret building that thing next to RR tracks, with brake dust and all.

Submitted by Coronita on August 4, 2021 - 5:04pm.

svelte wrote:
We're not much of a price shopper for insurance, if we find a good company we stay with them. Which is why we were with AAA for auto insurance forever.

That is, until our car purchase last year. It was an expensive car, granted, but they insured us immediately then put the car on a "pending" list. I called and asked what that was and they said it hadn't received final approval but I was covered in the interim. It was like that for a month before I lost my patience and started calling around.

Turns out that, by transferring auto insurance over to who held our home insurance (Liberty Mutual), I could get the house, cars, earthquake, AND umbrella insurance and still pocket $800/year over what I was paying before. AAA was putting the screws to us! Or maybe I'm talking too soon and LM will jack up the rates when we renew in a couple of months. We'll see. I will say this: the LM agent was a pleasure to work with. We'll see if that is true if we ever have to file a claim. :-)

Insurance is something that you don't really want to cheapen out on. But when the price difference is so out of wack for the same coverage, it begs a revisit. I know I was getting stiffed by Allstate because while companies like AAA have been lowering rates for their clients, Allstate has been raising mine for the past few years. They started out lower than everyone else....

Submitted by Coronita on August 4, 2021 - 5:08pm.

svelte wrote:
Coronita wrote:

Also John Hine Mazda is closing down for good in September 6. (owner sold to Carvana and carvana doesnt want to keep the mazda franchise).

I just read that Carvana is building a Carvana car vending machine at the corner of I-15 and 78 in Escondido. We had been seeing the structure going up and couldn't figure out what it was.

So I read up on the car vending machine thing. What a gimmick! But I guess if it makes car buying fun, who am I to judge? I just hope they don't regret building that thing next to RR tracks, with brake dust and all.

Carvana is going to be failed business model. Lots of people i know sold their cars to carvana for more then they paid a few years earlier.

Oh, and one of the largest owners of Carvana??? Remember Charles Keating and the S&L scandals?? Yup...

https://www.forbes.com/sites/nathanvardi...

In america, crime does pay.

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