This question is for an Insurance Agent that handles homeowner's insurance. I would contact a few of the local companies, as well as larger ones. A recently changed insurance companies and we had a savings of over $1,500.00 per year.
In my opinion, if you do not get a phone call from a company, you may want to think twice about using them. Should you ever have a claim, what kind of customer service will you receive?... more
It should not be tricky to get homeowner's insurance, but it may be challenging to sometimes find an insurance company that will write a policy. A client of mine recently purchased a home just under a mile from the water. Flood insurance was not needed but wind damage insurance was. One company would not write the policy at all and another company wrote the policy and did not require wind damage coverage. The best thing is to get a few estimates then compare them. Once you have had the policy for a year or so, check back with other companies to see if there are better premiums available.... more
I am also a little unclear by your question. However, if you are speaking about the bank requiring a year of homeowners to be paid upfront when purchasing I think I can help answer that. A lot of times when you are going for an FHA loan the bank will require that the homeowners be included in your monthly mortgage payment to ensure that it is being paid. That being said, when you are paying your monthly payment the insurance portion you are paying is put into an escrow account which will pay out the premium to the insurance company when it comes due. So, when you are first purchasing there is no escrow account yet set up; therefore, no way for them to pay the insurance company that years premium. Also, lending institutions like homeowners paid out to a certain date to make sure their asset is protected. I hope this is what you were referring to and that it can help. Best of luck!... more
Many times, your local tax assessor's office has the square footage information. Try giving them a call. If they don't have the information they will most likely be able to transfer you to the appropriate department. Have you tried to call the Town of Huntington?... more
I tend to recommend State Farm or Nationwide Insurance. I've found that my clients have had issues with insurance brokers. They initially insure and later have their policies cancelled. They also tend to be more expensive.... more
Are you talking about a knock down or renovation? Without having further information, it would be difficult to give you accurate information. I have worked with several builders/contractors in this area. Please feel free to contact me at your convenience.
Century 21 Princeton Properties
If you are unsatisfied with your current estimate, consider contacting a few other local insurance companies and ask for quotes based on your needs, then choose the package that best suits those needs...... more