Looking for a ballpark figure, i need all you guys or gurus to help me out! Its a 1200 sq ft single family house, in zip code 89129. Want a standard deductible. Four rooms would be covered at about 15K a piece. Built in 2003. What would be a ball park figure for home Owners annually?

Thank you all who responded!

 

  • mbrcatz17 11:06 am on November 13, 2009 Permalink

    Standard deductible meaning, company standard, or what most people buy? What’s the house made of? What’s the claim history on the house and on you? What’s your CREDIT SCORE? Do you have any dogs, trampolines, skateboard ramps? How far are you from a hydrant & fire station?? Do you have any special items that need coverage, such as jewelry or collections? How about special endorsements, such as backup of sewers & drains, building ordinance or law, and replacement cost??

    There’s a lot more to a quote than what you listed. You’ll need to get a REAL quote or seven from some local agents.

  • Your Property Path 11:06 am on November 13, 2009 Permalink

    Insurance is a competitive game and pricing varies.
    1. There are different types of coverage – so, what are you paying for is the first comparison
    2. Then go to a search engine such as the one on my site and have agents bid for your business

  • Bradley S 11:06 am on November 13, 2009 Permalink

    It’s hard to even ballpark without more details. Also, living in Nevada, you might consider getting a quote for earthquake insurance at the same time. Earthquake insurance is sold as a separate policy or as an endorsement or a rider to traditional homeowner’s insurance policy.

    I recommend contacting an insurance broker. A broker works with several companies and can find the best rates and coverage for you. To find a broker in your area, log on to a website like http://www.homeownerswiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you. Good luck!