Housing

How much is homeowners insurance in Bay Area?

Apple infinitel
6d

Could you share the following?
- sqft?
- price?
- has earthquake coverage? Do you have extra insurance for that?

comments

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  • LinkedIn bored🐷
    Farmers Insurance. $616.86/year for 1800 sqft single family house which I spent $1.2M.

    No earthquake coverage because it is too expensive and deductible is too high.
    6d0
  • VMware BobbleHat
    Real quotes are free
    6d9
    • Apple infinitel
      OP
      I know, but they ask you to provide so many details, and they will spam you and call u for life
      6d
    • VMware BobbleHat
      Ya, that’s true. But if you are actually in the market this is the only way to see what -you- will pay for each company.
      6d
    • Apple infinitel
      OP
      Ok thank you for pointing out the obvious.
      6d
    • VMware BobbleHat
      It doesn’t seem like it was obvious enough. The reason they ask all the invasive questions is because the answers make the result different. Do you have a wood burning fireplace? +20% was your house built in 1995? +50% do you want replacement cost, or market value +50% do you want.... this entire thread is complete noise and means nothing
      6d
    • Apple infinitel
      OP
      Then just get out of the thread. I just wanted a general idea of what insurance costs, which I feel like I got. I understand that it goes case by case, but there seems to be a baseline.
      Seems like you ain’t have much going on this weekend huh?
      6d
    • VMware BobbleHat
      You are not very bright
      6d
    • Google Switzlernd
      *You're
      5d
    • VMware BobbleHat
      Thanks google...
      5d
    • Google Switzlernd
      Hehehe
      4d
  • Google YAPTRF
    For sfh I'm currently paying 50$/month after shopping around.

    Doesn't cover earthquake or flooding. However not on a flood plain. It also covers full replacement costs.
    6d2
  • Dropbox AustinEng
    About 2k/sqft costs me about $1,200/yr.

    Earthquake insurance is about the same but the deductible is really, really high. Like you're going to have to hit your 401k kind of high.
    6d1
    • Intuit b7x1s
      Also remember the costs to rebuild != the market price. So a (really) high deductible may not really be helping you much.
      6d
  • Apple infinitel
    OP
    Do people mind to share what company is insuring you?
    6d0
  • OpenTable Meliodas
    Earthquake insurance is a separate policy than homeowners insurance in California.
    6d0

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