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Homeowner's Insurance--Advice?
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MelissaLovelace
Mueller Community

Posts: 13
Joined on November 30th, 2008
Homeowner's Insurance--Advice?
by MelissaLovelace on May 29th, 2009

Hi, All--

We're in a Weakley row home on Zach Scott, since last July. Our carrier is USAA, but it seems they've changed their criteria recently, and have decided our row home meets their definition for "condo". We'd like to look around for a different carrier b/c we don't like the condo coverage they're saying we must take.

We're wondering what other rowhome residents are getting through their carriers, i.e., condo or townhome coverage, and who do you recommend/use??

All comments and recs much appreciated!

Melissa Lovelace
 
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momof4
Mueller Community

Posts: 727
Joined on August 30th, 2007
Homeowner's Insurance--Advice?
by momof4 on May 30th, 2009

It is my understanding that the insurance you need on a row or townhome is a "condo" policy. It's less expensive than a regular policy. The reasoning is that the HOA extra dues you pay cover the building of the home. That leaves you covering sheetrock in. Or maybe studs in. I can't remember which.

Felicia
 
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dje7
Mueller Community

Posts: 81
Joined on March 2nd, 2009
Homeowner's Insurance--Advice?
by dje7 on May 30th, 2009

Melissa,

We're in a similar situation and our townhome is currently under construction on Zach Scott with a move in date of late August/early September.

I don't even know where to start in terms of estimating the cost of construction from sheetrock in. We use AMICA currently and if the coverage amounts are anywhere close to the ones we were thinking they are saying it will be $1700 a year.

I guess the place to start may be in speaking with the HOA to get a copy of the Association Master Policy for the townhome in question, and also have the builder give you their cost of construction for the portions of the building not covered (a place to start might be the price paid for all of the optional upgrades).

We checked with our current insurer (AMICA - whom we have had great experience with) and they quoted us a price of $1700 per year, which seems very high considering that we currently only pay $400 or so for our single family home coverage, so I think our coverage amounts may be way off.

Any advice would be greatly appreciated.

Sincerely,

Daniel
 
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dje7
Mueller Community

Posts: 81
Joined on March 2nd, 2009
Homeowner's Insurance--Advice?
by dje7 on August 13th, 2009

Just curious if anyone in a Weekly Row home has any good recommendations for insurance providers. We're getting a copy of the Association Master Policy. Any comments or recommendations would be greatly appreciated. (PM's accepted) :)

We close in just a few weeks. :)


Daniel
 
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