New Construction Townhome

Shopping for Homeowner’s Insurance


Any claim I had to “not being a grownup” is slowly slipping away, particularly with my latest task: shopping for homeowner’s insurance. Unlike renter’s insurance, which really just has to cover my stuff, homeowner’s insurance has all these strange and bizarre things it has to cover. The building itself, the stuff inside, and of course liability in case someone decides to do a sweet jump off our front porch and then sues us.

I started shopping for insurance the way I do most things: by avoiding humans entirely and filling out a bunch of quote forms online. Protip: do not enter in your phone number, or these cash-hungry vultures will start calling you do “discuss your quote.” I did use a throwaway email address so as not to continue getting insurance-related spam for the rest of my life.

The first quotes I got were in the $2000-4000 per year range. Never having shopped for homeowner’s insurance, this seemed obnoxiously expensive but probably reasonable. Then RevolvingDork mentioned that the insurance on our current place is only $400 per year. The new place is bigger than the old one, but not 10 times bigger, and the neighborhoods are comparable.

So I broke down and called some of the local agents my real estate agent recommended. I hate talking to salesmen on the phone. Or in person. Really at all. I also hate going in to purchase a product without any real knowledge of what it should cost.

Without too much headache, we picked out a plan with similar coverage to what we’d been quoted before, but coming in at just over $1000. The only real hiccup was that the tax records have the information for the house completely wrong, leading to some confusion as to just how much house we were insuring. After handing over our credit card number it took all of 15 minutes to get the proof of insurance emailed to us, which is good because I had waited until 2 days before closing to take care of the insurance. See, I’m not such an adult after all!

It’s clear that in some industries it still pays to talk to a salesman, and insurance is still one of them.

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