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    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.



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    Re: Home owners insurace

    Get quotes from multiple carriers and then go from there.




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    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

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    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.



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    Re: Home owners insurace

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



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    Re: Home owners insurace

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



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    Re: Home owners insurace

    Adam Gray



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    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
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    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



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    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.



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    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.



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    Re: Home owners insurace

    Shelter is pretty reasonable


    John Walters is my hero

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    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
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    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
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    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.



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