I need homeowners insurance. Who is good?

Question

I am having trouble getting quotes online because the house was built in 1915. Geico, Allstate and Progressive won't give a quote online for that age of a home.

Answer 1

Online quotes for such a old house... seems to be taking you nowhere. Yup there are sites that may help you. But before that you may go for your local agent or insurance sectors for better results.

http://www.rghins.com/

Answer 2

Yeah, well, online isn't the way to go.  MOST companies aren't going to insure a house that old.  The ones that are, will insist that it's been fully updated -  ya know, indoor plumbing, decent wiring, a new roof, etc.

You need to go to a local, independent agent, who can shop this out for you.  You're not going to be able to do much picking and choosing - it's more going to be about the agent finding ANYONE willing to write this.    I'm sure they can. .  but they probably won't have more than one or two companies that will do it.  And none of the will write direct, most likely.  Direct writers only want to do the easy to write stuff.

Answer 3

Before you contact any agents check out this website:

http://www.homeinsurancebuyers.org

Contacting independent agents can be a game of musical chairs - a hit or miss total waste of time if they don't carry enough companies to have one that will write a home as old as yours.

This website tells you the companies who are writing and how old of a home they will cover.  It worth it!   Good luck!