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Discussion Boards > Active Subjects > Messages as Posted > Personal Finance Investments Forum

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 12-16-2012, 11:02 Post: 185729
DennisCTB



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Join Date: Nov 1998
Location: NorthWest NJ
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  Best Homeowner Policy

I just got my bill from Preferred Mutual and they have my house appraised at twice what I can sell the house and land for. They say the market value is irrelevant, and I get that but the number seems way over the top.

How I wound up with them is I have Allstate for my cars and the agent found this outfit which sells for Preferred Mutual since Allstate was not underwriting in NJ for homes. The agent is useless never returns calls etc.

Anyone have recommendations for a good insurance carrier? My constraints are that we don't have fire hydrants where I live, only a water tank a pumper truck would have access to. Very limited value if the place went on fire So Sad







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 12-16-2012, 17:01 Post: 185732
DennisCTB



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  Best Homeowner Policy

As I said in my post I understand the difference between today's low house values and replacement cost. The number they have is just too big.

Went online (Sunday no less Smile ) and got a policy with Liberty Mutual for $350 less per year at lower insured valuation which I think is a reasonable rebuild value, which is also a hefty amount over market.






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