Do you have liability or full coverage insurance?

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#21

01-20-2013, 07:31 AM

ghengis86

Rock Crawling

Join Date: Mar 2012

Location: Northwest Indiana

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Quote:

Originally Posted by discoboy

I see the value in full coverage. In my case it will be $116/mo for $500k per incident and $1000 ded. My agent suggested I stay with this coverage because I am a home owner and a small business owner. I have shopped around a few were maybe $50.-$100 less a year but nothing really different. I am with Farmers right now. She is a good agent so I am kinda scared to go to someone new and not know about the after service. I will check with a few more companies but looks like I will suck it up and go full coverage...Thanks all for your responses

Farmers is pretty good. I went through an independent agent and ended up going with West Bend Mutual's Home and Highway deal. Full coverage/comprehensive, $1,000 deductible, $300k max/accident, uninsured motorist cov., underinsured motorist cov., roadside assistance, (06 LR3) plus a homeowners policy with a high deductible and ~$300k total in replacement cost coverage (home isnt worth near that but figuring replacing everything in it and rebuilding after a fire and staying somewhere while the house is rebuilt, etc.)

$122/month. Plus I get 5% back each year that I don't have a claim which has been every year.

Half a mil seems a little high for your max/accident but if it's rolled into a homeowner policy, you'll get the best deal. I like using the $4k-$5k value as to when to drop full coverage. Or daily driver.

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