need to buy condo insurance, advice?

Discussion in 'After Hours Lounge (Off Topic)' started by Philip_G, Jul 22, 2003.

  1. Philip_G

    Philip_G Producer

    Joined:
    Nov 13, 2000
    Messages:
    5,030
    Likes Received:
    0
    need to insure the interior and contents of my townhouse, a condo policy should do as the HOA covers the exterior.

    any tips, advice, or companies to reccomend?
     
  2. CapnSharpe

    CapnSharpe Stunt Coordinator

    Joined:
    Dec 17, 1998
    Messages:
    165
    Likes Received:
    0
    With my townhouse, the HOA pays for actual homeowners insurance, so I only needed the contents covered. 98% of the insurance companies/agents refused to quote me a policy claiming that the HOA, and their insurance agent, lied. In contrast, Amica was very professional, took me seriously, and actually called the HOA's insurance agent to verify the HOA's coverage and exactly what I would need to cover the contents. I called Amica after a friend recommended them. In his case Amica quoted him homeowners insurance policy that was 1k less than the competition, including USAA (sp?).

    Theresa
     
  3. Philip_G

    Philip_G Producer

    Joined:
    Nov 13, 2000
    Messages:
    5,030
    Likes Received:
    0
    thanks for the tip, I have my auto insurance with amica [​IMG]
     
  4. Leo Hinze

    Leo Hinze Stunt Coordinator

    Joined:
    Jan 15, 1999
    Messages:
    222
    Likes Received:
    0
    Check with the provider of your auto insurance. I have auto, renters (previously owned and had homeowners), and personal liability from the same company, so I get a little multi-policy discount from them.
     
  5. JasenP

    JasenP Screenwriter

    Joined:
    Dec 21, 1999
    Messages:
    1,280
    Likes Received:
    0
    Location:
    Kalamazoo, MI
    Real Name:
    Jasen
    Read the coverages over VERY well. My renters insurance will only cover X amount of dollars for a computer, TV, Home Theater etc.. So if your HT would cost 16K to replace, make sure you're not just coverd for $1500. [​IMG]
     
  6. Jason_H

    Jason_H Second Unit

    Joined:
    Mar 9, 2000
    Messages:
    422
    Likes Received:
    0
     
  7. Philip_G

    Philip_G Producer

    Joined:
    Nov 13, 2000
    Messages:
    5,030
    Likes Received:
    0
    When I got my car insurance they told me they wouldn't give me a multi line discount [​IMG]
     
  8. nolesrule

    nolesrule Producer

    Joined:
    Aug 6, 2001
    Messages:
    3,084
    Likes Received:
    0
    Location:
    Clearwater, FL
    Real Name:
    Joe Kauffman
    I'll second Amica. I use them for my auto and homeowners insurance (and before that for rental insurance). They constantly give me better rates for the same coverage levels.

    My wife and I both have Civics, and we are covered for an entire year at about $1370. I've asked around for quotes, and most other places will give me about $1100 for six months. It's insane.

    And I couldn't believe how low my homeowner's policy was. It's half what I have to pay for my flood insurance (stupid mortgage requirements). I do need to add a rider for my wife's jewelry and for the DVD collection at some point.
     

Share This Page