Welcome to DU! The truly grassroots left-of-center political community where regular people, not algorithms, drive the discussions and set the standards. Join the community: Create a free account Support DU (and get rid of ads!): Become a Star Member Latest Breaking News Editorials & Other Articles General Discussion The DU Lounge All Forums Issue Forums Culture Forums Alliance Forums Region Forums Support Forums Help & Search

General Discussion

sarisataka

(22,606 posts)

3. Call your agent

Reply to leftyladyfrommo (Original post)

Fri Mar 13, 2026, 07:51 PM

Friday

Find out what they have as the rebuild cost of your home, there is no reason to insure for more than the rebuild cost. Also have them review your deductible and if the roof is covered at replacement cost or depreciated value.

You can then decide are they covering you at what your home is worth or are you willing to lower your rate in exchange for a higher deductible. My advice would be if you are not covered at full replacement value, shop around.

Edit history

Please sign in to view edit histories.

Recommendations

1 members have recommended this reply (displayed in chronological order):

RockCreek

14 replies

= new reply since forum marked as read

Highlight:

Got my new HO insurance bill. It's $4000. Last [View all] leftyladyfrommo Friday OP

I meant $800 not 8,000. leftyladyfrommo Friday #1

My advice, go back to your agent and ask how to reduce the premium and then shop around with other carriers. surfered Friday #2

Call your agent sarisataka Friday #3

When I left Florida my home insurance was $7000 Ritabert Friday #4

I left So Fla in 2020, 3/2 under 2k sq ft and insurance with citizens was about $3,000. 6 miles from the Atlantic mitch96 Friday #7

We were 9 feet above sea level too. Ritabert Saturday #14

It doesnt do any good. And here isxwhat happened to one elderly woman who called ask leftyladyfrommo Friday #5

self insure SonOfNebanaube Friday #6

How do you self insure when you have a mortgage? hamsterjill Friday #8

If you owe less than a certain percentage of your homes value Old Crank Friday #10

I thought that applied to mortgage insurance ("PMI"); not homeowners insurance. hamsterjill Friday #12

I believe homeowners Old Crank Saturday #13

📌 Article: Does your credit score affect home insurance rates? littlemissmartypants Friday #9

You might want to switch insurance providers. waterwatcher123 Friday #11