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Home Owners/Car Insurance/Wind/Hail/Flood

who's talking here?

Someone 2
dmc... 16
Mermaid 2
*N@T()$H@* 1
Jingle Bell Rockin 1
Monkey Manners 15
PeachyKeene 1
newbernbears 10
Boobsy McNicehiney 1
cdubs 6

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newbernbears --- 7 years ago -

USAA asked me if I was inside 2500ft. from the Trent River, if I had any claims(last year $8800), will have to call me back tomorrow to see if I can get homeowner's thru underwriter. I have not been able to get it since 2002 with USAA. 

newbernbears --- 7 years ago -

USAA told me they are going on a home by home basis in Craven County, they may add you to homeowner's and not your neighbor, based on past history and location! 

dmc... --- 7 years ago -

see, that's not what you said first. You said they didn't write any at all. What you just said yourself means they do write them. 

dmc... --- 7 years ago -

they may add you to homeowner's and not your neighbor, based on past history and location!

and all insurers do that, considering they are also taking credit ratings into consideration these days. 

newbernbears --- 7 years ago -

and all insurers do that, considering they are also taking credit ratings into consideration these days.

I mean based solely on location and prior damage, assuming credit worthiness...... 

dmc... --- 7 years ago -

I mean based solely on location and prior damage, assuming credit worthiness..

I said also.


I have a friend who made a claim and was dropped as soon as it was settled. Because they were dropped, after *one* claim, they had to go with some 'fly by night' company and pay absurd rates.

That was probably 2005 or so (the years tend to blend after awhile lol). They didn't have USAA to begin with, but all companies have always done that.


Even in other states. A friend lost their house to a fire. They had made a claim or two over the last few years. They were told they were too high of a risk and got dropped. They also had to pay absurdly high rates for insurance. This went on for a certain number of years. After they were claim free for so many years, they could get 'decent' rates again. I remember how excited she was when that year came. This was in TN.


All I am saying is that it is NOT only USAA who does these things. Any time you make a claim, you have to consider if it is worth it. You make too many claims, in so many years, you take the chance of being dropped. Once you are dropped, you may have trouble finding insurance.



When my husband had orders to Beaufort, SC, we still had USAA for home owners insurance. I called them to inquire about renter's insurance down there. I was told they wouldn't insure in two areas likely to be hit by a hurricane. That is when I decided to leave USAA. Nationwide said they didn't have that policy.
that being said, I would still never tell anyone that USAA wouldn't do it. They wouldn't do it for US. Not everyone is in the same situation as us. I would tell them to call and find out for themselves.

I was once told that State Farm no longer does home owners in this area, when we were buying our home. That is when we switched to USAA. State Farm would have written our home owners. I believed someone else instead of calling.

Again, every situation is different. If I don't work for a company, I will not quote something as fact unless I can find it on their website. 

Monkey Manners --- 7 years ago -

see, that's not what you said first. You said they didn't write any at all. What you just said yourself means they do write them.


exactly, or I would not have been arguing half the day over it.


You pretty much said they don't do it in NORTH CAROLINA, meaning the entire state they don't offer any home owners policies to anyone. 

Jingle Bell Rockin --- 7 years ago -

We have homeowners with USAA for both our homes (including NC). We got that policy in 2006. It includes wind and hail. 

Monkey Manners --- 7 years ago -

It includes wind and hail.


It most likely is an underwriter that has your wind and hail policy attached to your USAA home owners one. 

cdubs --- 7 years ago -

Usaa will insure us with a basic home owners, plus use the NC underwriters for wind/hail and write a FEMA flood policy.

It is just much more money since they go through the nc underwriters verses a combined policy of nationwide.

I had Usaa quote me on two homes in onslow and yes they would insure us. I just probably won't go with them


Thanks ladies! 

Monkey Manners --- 7 years ago -

It is just much more money since they go through the nc underwriters verses a combined policy of nationwide.

I had Usaa quote me on two homes in onslow and yes they would insure us. I just probably won't go with them



I had the same thing happen to me. I've used USAA for car insurance for 13 yrs but their quote for the other was like a thousand more than what I went with. 

cdubs --- 7 years ago -

It's because they use the states underwriters association to write their wind and hail policy. Usaa offeres the so you can get all you need from Usaa but they are separate policies. It's just like they offer flood insurance through FEMA. So they offer wind/hail but through NCUAss. Unlike nationwide who combines policies and it's solely then insuraning you (much cheaper!) 

dmc... --- 7 years ago -

We had a separate wind/hail policy through nationwide until renewal this year. Well, it was a change, but still. They said they just recently were allowed to write them themselves.
We received the refund from the underwriters a week ago. 

cdubs --- 7 years ago -

Nice! 

dmc... --- 7 years ago -

Nice? We sent it right back to Nationwide to cover our insurance policy through them. We didn't get to keep it (unless we wanted our escrow shorted that much).
I was just trying to say that Nationwide didn't always write their own wind/hail. At least not for us. :D 

*N@T()$H@* --- 7 years ago -

We just shopped around for car insurance. We currently had USAA (our renewal premium was $973/6 months). These were the 6 month premiums we were quoted: Nationwide $876, State Farm $775, Geico $620.

Our USAA was NC minimum 30/60/25 and still was the highest out of every company! Every other carrier we contacted quoted us 50/100/50. Included towing, car rental, and roadside assistance.

I know it's differnet for everybody, but USAA was not the best option for us anymore. And we have zero accidents, zero tickets, zero violations, ect!

Glad I called around! Our Geico starts on the 16th, I'll be glad to be saving almost $60 a month!

Ooops! We also got quotes on homeowners/wind & hail and every company I called was able to provide us in our area, but we have yet to have to file a claim so I am sure that may have a little to do with it? 

Someone --- 7 years ago -

Holy cow!! We use State Farm and when we were in NC with 2 cars we had 300/100/300, plus 40 or 50k in renters insurance and paid less than $90 a month. 

Monkey Manners --- 7 years ago -

Holy cow!! We use State Farm and when we were in NC with 2 cars we had 300/100/300, plus 40 or 50k in renters insurance and paid less than $90 a month.


renters insurance is MUCH cheaper

that would be why

We are talking about homeowners not renters. 

Someone --- 7 years ago -

I didn't quote it but my response was to the comment above me for paying $162 a month for "cars." Maybe she forgot to mention it was for cars and homeowners but she specifically mentioned shopping for car insurance with much lower coverage amounts than we pay for. 

dmc... --- 7 years ago -

renters insurance is MUCH cheaper

that would be why

We are talking about homeowners not renters.


There's a good chance her home owners is paid for through an escrow, therefore through her mortgage payment. Not included with car insurance.
I'd say those amounts is what she pays minus home owners. :( 

cdubs --- 7 years ago -

Yes it will be escrowed but if I carry over my car insurance to the home owners company we receive a bigger discount. Ie multiple policy discounts. Making my home owners cheaper :)

Thanks ladies :) 

dmc... --- 7 years ago -

the escrow comment was to MM in regards to what Someone and Natasha said about payments.


USAA, even with discounts, didn't make our home owners any cheaper. Having 2 policies at 2 different companies did. We have maxed out on USAA discounts, so nothing we could do would save us any more money with them. :( 

cdubs --- 7 years ago -

Lol it's almost getting confusing trying to read on my phone without re reading the whole thread lol.

I'm glad they refunded you, ive never switched insurances and didn't know they would do that. Which is why I said nice!

My car insurance for two cars full coverage 50/100 not 30/60 is something like 100 a month and our home owners is similar in price. Bringing everything over to nationwide saves us 300 a year!! That is too much for me to keep things separated. I'm still nervous though lol. 

Monkey Manners --- 7 years ago -

USAA, even with discounts, didn't make our home owners any cheaper. Having 2 policies at 2 different companies did.


same with me 

dmc... --- 7 years ago -

I think I was told at Nationwide, when we switched HO, that it wouldn't be any cheaper.

We pay like $1000/6 months in car insurance. It absolutely SUCKS. It might even be closer to $1200. I know it was close to $1400 the first 6 months of the year when we had to pay renter's insurance up in VA.

I pay 4 out of 6 months (I love having 2 months off). I write that check for about $300 those 4 months. I just keep telling myself, not too much longer, not too much longer. ha ha 

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