1% roof deductible
Posted by neatgeek83@reddit | askdfw | View on Reddit | 18 comments
Time to start shopping around again for home insurance. Has anyone found a carrier still offering 1% for hail and wind damage-in the last month or so?
No_Roof_3613@reddit
Got a 1% with USAA - off total rebuild cost though, so still high.
TexasTucker88@reddit
We currently have a 1% deductible with USAA. I’m about to file our first claim after Tuesday’s storms, so we’ll see if they offer that to us again when we have to renew.
neatgeek83@reddit (OP)
USAA was always so much higher compared.
TexasTucker88@reddit
I’ve heard that about USAA. For whatever reason, USAA was cheaper for us (by thousands) than the other 9 or 10 companies I had quote the exact same thing 🤷♀️
ALaccountant@reddit
American Family has been cheap and great for us.
neatgeek83@reddit (OP)
My plan is to shop Amica and USAA on my own and then have a broker shop the rest.
gracyavery@reddit
Hartford through AARP
Yz250x69@reddit
I have a $2000 deductible with Allstate and got super mad at them because my truck needed a new frame , they wouldn’t approve it for two weeks and by time they approved it my rental was expired. So I had to go out of pocket for 3 weeks on the rental. I shopped every carrier and they all quoted me like $7500 deductibles for home insurance claims. I’m not saying it’s not out there but if you find it let me know
LostLadyA@reddit
Car insurance deductibles and home insurance deductibles are typically different. Car insurance is based on whatever plan you select. Home policies are typically 1% or 2% for certain claims and a flat rate for other claims (ex hail/wind is 2% but fire damage could be a flat $1500).
neatgeek83@reddit (OP)
The deductible is usually based on a percentage of your homes value.
Yz250x69@reddit
Mine is not
Numerous-Meringue-16@reddit
AAA
neatgeek83@reddit (OP)
Who I have now. They doubled my deductible for year 2
Numerous-Meringue-16@reddit
Ouch. Mine is up in Sept. sucks for my renewal
kzone15@reddit
State Farm
beardlesswonder@reddit
I tried a broker last fall and that was their feedback. I've meant to call a few directly but haven't gotten back around to it.
cupcakesordeath@reddit
I was curious about this.
Thought my deductible would go down with AAA after a new roof. They told me per new guidance that their deductibles for wind and hail have to be at least $7,500.
neatgeek83@reddit (OP)
I’m with AAA now. Premium renewals only went up $200yr but they doubled the deductible.