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Homeowner's Insurance
updated: Jun 01, 2014, 2:18 PM

We live in an unreinforced masonry house (1914) and are having trouble finding homeowner's insurance. The house would be terrific in a fire; not so good in an earthquake. But we do not want earthquake insurance in any case. Does anyone have the same problem? If so, have you found HO insurance?

 COMMENT 524386 agree helpful negative off topic

2014-06-01 04:14 PM

Are you trying to insure the house, or the contents, or both? And where is it located--approximately? What are agents telling you as to why they won't cover you?


 COMMENT 524403 agree helpful negative off topic

2014-06-01 05:17 PM

It is typically best if it is retrofitted and you can contact cal quake about getting that done for an affordable price. Even if it's not then you should be able to get it insured for both fire and earthquake through a good broker. Call brown & brown, they can insure it. 690-2600


 COMMENT 524447P agree helpful negative off topic

2014-06-02 05:44 AM

I just obtained insurance through AARP (at a discount). They get it through Hartford. The home is small at 1000 sq ft. I'm guessing it was built in the 1920s (the City of SB has no records on it - it's that old - so no one knows for sure). It was $650.00 per year for fire & contents coverage.


 COMMENT 524467P agree helpful negative off topic

2014-06-02 07:53 AM

A few years ago my homeowner's insurance (State Farm) was abruptly canceled--along with the insurance of many, many other Californians--for the sole reason that our houses were built before 1930. Despite the fact that I'd never filed a claim and had always paid the premium on time, it was a huge pain to have to shop aroud for a new policy.

Now as I RECALL (but could be mistaken, since I was no longer a customer and I really don't remember precisely), there were a LOT of furious customers, who retaliated (as I did) by yanking their car, boat and other policies from State Farm--which then rescinded the initial cancelation. But of course it was way too late for that. I would't insure with that company now if the policy were free.


 COMMENT 524480 agree helpful negative off topic

2014-06-02 08:55 AM

My house was built in 1926 and State Farm has not abruptly, or gradually, cancelled my insurance.


 COMMENT 524506 agree helpful negative off topic

2014-06-02 09:37 AM

House and contents need insurance. We may turn to the State for help. Insurance agents just say No to masonry buildings.


 COMMENT 524519 agree helpful negative off topic

2014-06-02 10:17 AM

An "elderly" masonary building is likely to have dangerously substandard wiring which must be inspected to make sure it has been brought up to recent code. Retrofitting the old knob and tube wiring of the pre WWII era was especially challenging.


 COMMENT 524539P agree helpful negative off topic

2014-06-02 11:21 AM

@480: The mass State Farm cancellations were years ago, at least 12 or 15.


 COMMENT 524587 agree helpful negative off topic

2014-06-02 12:12 PM

We like Liberty Mutual, get it through Golden1 Credit Union, simple easy and great customer service


 COMMENT 547689 agree helpful negative off topic

2014-08-25 12:23 PM

Liberty Mutual just increased the cost to insure my 1929 home by 47%. Even though I asked for an explanation, I was not given one. Been with them for 30 years and never filed a claim. There is a Consumer Watchdog on the web that is complaining to California Insurance Commissioner Dave Jones to hold public hearings on the excessive rates of three top homeowners insurers – Allstate, CSAA, and Liberty Mutual.



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