Insurance providers

For anyone following along.

Allstate had good plans and prices as well as good discounts for bundling but wouldn’t insure my home for more than 1.5M

Pure wants to insure for ~4.1M at a cost of ~17K
Narrows quoted ~2M in coverage at a cost of ~8K
Amica quoted ~2.9M in coverage for ~13.5K with 2M of personal property
Brownstone quoted 2.5M in coverage for 5K/year with a 3 year policy but only included 200K in personal property.

We’re going with Brownstone and will add a secondary policy for additional personal property.

arewedoneyet

in General Discussion 2 years and 7 months ago

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arewedoneyet | 2 years and 8 months ago

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Chubb just came back with a rebuild cost of 9.5M. My head might explode.

justinromeu26 | 2 years and 8 months ago

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Well. Depending on what the insurance costs, that might not be the worst.

Not sure if i mentioned it above, but we had been at christmas eve dinner at a friend’s in borum hill ten or so years ago. We left at 11 pm or so. As we went down the street, i commented about something burning but dismissed it as a fireplace (the house we’d been in had a fire burning in theirs) . By 2 am the neighboring house was engilfed and i think they lost the roof and all. Total loss. Still vidoes of that fire on you tube. The insurance did not cover the rebuild cost and the woman was forced to sell the house.

arewedoneyet | 2 years and 8 months ago

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I don’t want to be under-insured but a new build price of $2600 per sq. foot is nuts. I didn’t get a price on policy but I’m sure it’s going to be 10s of thousands a year. Too rich for me.

cate | 2 years and 8 months ago

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What a horrifying fire in Boerum Hill.

arewedoneyet | 2 years and 8 months ago

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I have been surprised at the bizarre range of rebuild cost that I have bee quoted. On the low end are numbers like 500-800K which would not be enough and would surely end up in a situation like that of the poor woman in Boerum Hill. On the other hand is the crazy number Chubb produced which would be enough for us to bring Italian artisans over along with their translations and families, quarry new brownstone, care it, and install it.

justinromeu26 | 2 years and 8 months ago

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Based on what met life told us about the rebiuld cost of our smaller queens home, those numbers you cite would be too low over here and i have to guess way too low over there. The 800 is possinly ok here, not the 500.

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>Does anyone here have a recommendation for an insurance broker that they love who has helped get multiple quotes?

For what it’s worth, I used Will at Narrows Insurance Agency ( https://narrowsins.com ) ~1 yr ago and he seemed pretty knowledgeable. Think I got 4 quotes and went with Distinguished Programs; it’s 1.4M of coverage for our ~3400 sq ft house (non-landmarked) for 2.5k/yr.