Page 1 of 2 12 LastLast
Results 1 to 15 of 16
  1. #1
    All-Star
    Points: 21,475, Level: 44
    Level completed: 81%, Points required for next Level: 175
    Overall activity: 11.0%
    Achievements:
    10000 Experience PointsVeteran
    cyclone87's Avatar
    Join Date
    Apr 2011
    Location
    Ames, IA
    Posts
    1,451
    Points
    21,475
    Level
    44
    Thumbs Up
    Received: 15
    Given: 13

    Home owners insurace

    My wife recently got a job in Ames and we decided to buy a house (in Ames). We need to get home owners insurance as part of our loan application process. We are fairly new to all of this and I thought it might be helpful to get some opinions from people who have been through it all before. Basically we are just wanting to get some recommendations for what agents are the best in the area to work with.



  2. #2
    Speechless
    Points: 559,564, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 1.0%
    Achievements:
    Social50000 Experience PointsOverdriveVeteranRecommendation Second Class
    ISUAgronomist's Avatar
    Join Date
    Nov 2009
    Location
    Back in Iowa!!!!!!!!
    Posts
    21,281
    Points
    559,564
    Level
    100
    Thumbs Up
    Received: 145
    Given: 73

    Re: Home owners insurace

    Get quotes from multiple carriers and then go from there.




  3. #3
    All-Star
    Points: 43,016, Level: 64
    Level completed: 6%, Points required for next Level: 1,234
    Overall activity: 13.0%
    Achievements:
    25000 Experience PointsVeteran
    MNCYWX's Avatar
    Join Date
    Feb 2010
    Location
    Spamville, MN
    Posts
    1,230
    Points
    43,016
    Level
    64
    Thumbs Up
    Received: 70
    Given: 42

    Re: Home owners insurace

    Quote Originally Posted by cyclone87 View Post
    My wife recently got a job in Ames and we decided to buy a house (in Ames). We need to get home owners insurance as part of our loan application process. We are fairly new to all of this and I thought it might be helpful to get some opinions from people who have been through it all before. Basically we are just wanting to get some recommendations for what agents are the best in the area to work with.
    I'd team up with whoever does your car insurance et al. Usually there is discounts when you bundle multiple things together.

    If your current insurer doesn't seem like the best choice... shop around.


    "Science is a wonderful thing if one does not have to earn one's living at it." -- Albert Einstein

  4. #4
    All-Star
    Points: 37,983, Level: 60
    Level completed: 12%, Points required for next Level: 1,067
    Overall activity: 2.0%
    Achievements:
    Veteran25000 Experience Points
    ISU_phoria's Avatar
    Join Date
    Apr 2006
    Location
    Andover, MN
    Posts
    1,866
    Points
    37,983
    Level
    60
    Thumbs Up
    Received: 9
    Given: 1

    Re: Home owners insurace

    I'f get a couple quotes too. To save some costs, make sure the value only covers the replacement cost of the house (not house and land). Some insurance companies try to include both and some lenders try to make you have coverage for both, but you can push back.....it worked for me, anyway.

    On another note, isn't there an agent who advertises (sponsors) on CF. If he offers home owners, might as well get a quote from him.



  5. #5
    Addict
    Points: 81,181, Level: 88
    Level completed: 58%, Points required for next Level: 769
    Overall activity: 51.0%
    Achievements:
    1 year registered50000 Experience Points
    Cyclonesince78's Avatar
    Join Date
    Mar 2012
    Posts
    5,039
    Points
    81,181
    Level
    88
    Thumbs Up
    Received: 678
    Given: 761

    Re: Home owners insurace

    Don't forget to add sewer back up to your policy. Thank me later.



  6. #6
    Pro
    Points: 46,207, Level: 66
    Level completed: 47%, Points required for next Level: 743
    Overall activity: 14.0%
    Achievements:
    25000 Experience PointsVeteran
    Daserop's Avatar
    Join Date
    Feb 2011
    Location
    The Bebop
    Posts
    2,593
    Points
    46,207
    Level
    66
    Thumbs Up
    Received: 94
    Given: 155

    Re: Home owners insurace

    you can also get insurance coverage if your sump pump goes bad and your basement floods.



  7. #7
    All-Star
    Points: 36,731, Level: 59
    Level completed: 7%, Points required for next Level: 1,119
    Overall activity: 0%
    Achievements:
    1 year registered25000 Experience Points
    BloodyBuddy's Avatar
    Join Date
    Mar 2012
    Posts
    1,498
    Points
    36,731
    Level
    59
    Thumbs Up
    Received: 63
    Given: 19

    Re: Home owners insurace

    Adam Gray



  8. #8
    Speechless
    Points: 559,564, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 1.0%
    Achievements:
    Social50000 Experience PointsOverdriveVeteranRecommendation Second Class
    ISUAgronomist's Avatar
    Join Date
    Nov 2009
    Location
    Back in Iowa!!!!!!!!
    Posts
    21,281
    Points
    559,564
    Level
    100
    Thumbs Up
    Received: 145
    Given: 73

    Re: Home owners insurace

    Quote Originally Posted by BloodyBuddy View Post
    Adam Gray
    No longer sells Nationwide insurance. Sold/transferred his agency to Jeremie Jordan. Adam is now a CF employee. -> http://www.cyclonefanatic.com/about-us/our-team/




  9. #9
    All-Star
    Points: 21,475, Level: 44
    Level completed: 81%, Points required for next Level: 175
    Overall activity: 11.0%
    Achievements:
    10000 Experience PointsVeteran
    cyclone87's Avatar
    Join Date
    Apr 2011
    Location
    Ames, IA
    Posts
    1,451
    Points
    21,475
    Level
    44
    Thumbs Up
    Received: 15
    Given: 13

    Re: Home owners insurace

    Quote Originally Posted by ISUAgronomist View Post
    Get quotes from multiple carriers and then go from there.
    Yea, thats what we plan on doing, got a couple tonight online and will probably call around tomorrow



  10. #10
    Prospect
    Points: 860, Level: 7
    Level completed: 55%, Points required for next Level: 90
    Overall activity: 1.0%
    Achievements:
    500 Experience Points1 year registered

    Join Date
    Mar 2013
    Posts
    22
    Points
    860
    Level
    7
    Thumbs Up
    Received: 0
    Given: 0

    Re: Home owners insurace

    Look for a company that offers you a HO5 type of policy, opposed to a HO3 type of policy.

    HO5 is a broader form of coverage for your home.

    Find the insurance agencies worth by asking the sales person what type they sell and if they know the difference.

    Cheap insurance isn't the best insurance. I work in insurance. Just my two cents.



  11. #11
    All-Star
    Points: 21,475, Level: 44
    Level completed: 81%, Points required for next Level: 175
    Overall activity: 11.0%
    Achievements:
    10000 Experience PointsVeteran
    cyclone87's Avatar
    Join Date
    Apr 2011
    Location
    Ames, IA
    Posts
    1,451
    Points
    21,475
    Level
    44
    Thumbs Up
    Received: 15
    Given: 13

    Re: Home owners insurace

    Quote Originally Posted by Daserop View Post
    you can also get insurance coverage if your sump pump goes bad and your basement floods.
    Noticed this option when we were filling information out online for a quote, it was fairly expensive, but maybe it would be worth it depending on what we have in the basement.



  12. #12
    Hall-Of-Famer
    Points: 61,628, Level: 76
    Level completed: 99%, Points required for next Level: 22
    Overall activity: 0%
    Achievements:
    SocialVeteranCreated Album pictures50000 Experience Points
    CycoCyclone's Avatar
    Join Date
    Apr 2009
    Location
    Urbandale
    Posts
    4,564
    Points
    61,628
    Level
    76
    Thumbs Up
    Received: 12
    Given: 70

    Re: Home owners insurace

    Shelter is pretty reasonable


    John Walters is my hero

  13. #13
    Walk On
    Points: 6,273, Level: 23
    Level completed: 45%, Points required for next Level: 277
    Overall activity: 6.0%
    Achievements:
    1 year registered5000 Experience Points
    cyowan's Avatar
    Join Date
    Feb 2013
    Location
    Ames, IA
    Posts
    202
    Points
    6,273
    Level
    23
    Thumbs Up
    Received: 13
    Given: 35

    Re: Home owners insurace

    Mark Doyle with State Farm has been pretty great for me. Not necessarily the cheapest but when it comes to insurance cheapest doesn't always equal the best. He has an office up in Somerset. They also hold a free BBQ/tailgate for all of their clients before every ISU home football game. Not a bad perk.


    Last edited by cyowan; 03-18-2013 at 10:39 PM.

  14. #14
    Pro
    Points: 28,965, Level: 52
    Level completed: 29%, Points required for next Level: 785
    Overall activity: 0%
    Achievements:
    Veteran25000 Experience Points
    Covenant Clone's Avatar
    Join Date
    Aug 2006
    Location
    Clive
    Posts
    2,901
    Points
    28,965
    Level
    52
    Thumbs Up
    Received: 4
    Given: 0

    Re: Home owners insurace

    Mike Banks...he owns an American Family agency in Waukee. Former ISU tight end, great guy and the rates he offered were very competitive. American Family is a really good company and they offer pretty nice multi policy discounts.



  15. #15
    All-Star
    Points: 21,475, Level: 44
    Level completed: 81%, Points required for next Level: 175
    Overall activity: 11.0%
    Achievements:
    10000 Experience PointsVeteran
    cyclone87's Avatar
    Join Date
    Apr 2011
    Location
    Ames, IA
    Posts
    1,451
    Points
    21,475
    Level
    44
    Thumbs Up
    Received: 15
    Given: 13

    Re: Home owners insurace

    Quote Originally Posted by cyowan View Post
    Mark Doyle with State Farm has been pretty great for me. Not necessarily the cheapest but when it comes to insurance cheapest doesn't always equal the best. He has an office up in Somerset. They also hold a free BBQ/tailgate for all of their clients before every ISU home football game. Not a bad perk.
    Mike Banks...he owns an American Family agency in Waukee. Former ISU tight end, great guy and the rates he offered were very competitive. American Family is a really good company and they offer pretty nice multi policy discounts.
    Thanks, will look into these two tomorrow.



Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
  • Football
  • Iowa State vs. North Dakota State
  • August 30, 2014
  • 11:00 AM