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Homeowner Insurance - STT

Posts: 501
Honorable Member
Topic starter

I'm "shopping" homeowner insurance.....trying to get at least 3 bids in hopes of making an informed financial decision as well as doing my best as a buyer to ensure I receive competitive pricing. ok.....maybe I'm dreaming.

Anyway, my current policy (through Inter-Ocean) expires in December so I have a couple of months to shop. I have already contacted Guardian and requested a quote. Any suggestions on other companies you would recommend? And, any companies that you would suggest I stay away from?

Posted : September 14, 2009 5:17 pm
Posts: 3904
Famed Member

Our condo association is VERY loyal to Ted Tunick. Edited to add we'll never use Topa again.

Posted : September 14, 2009 5:33 pm
Posts: 2045
Noble Member

I have heard nothing but bad things about guardian on stx. They are usually the cheapest but as the saying goes you get what you pay for.

Posted : September 14, 2009 7:05 pm
Posts: 812
Prominent Member

Do Not use any company that uses Crawford VI for the claims adjusting(you`ll NEVER get a claim paid).
This includes Mariam Mathis associates.

Posted : September 15, 2009 12:07 am
Posts: 501
Honorable Member
Topic starter

Betty, I did receive a quote from Guardian (STT) yesterday. I sent my current policy to them and asked them to provide quote for same. It was a very competitive rate that they gave me - SIGNIFICANTLY cheaper than my current policy (who I always thought was screwing with me because the rates were unusually high). I guess I should ask who the underwriter is to be sure they're solvent? Or.....now a few of you have me concerned about trusting the insurance companies in the VI.

Posted : September 15, 2009 11:20 am
Posts: 450
Reputable Member

If you are the age that qualifies go through AARP - got very competitive rates from them.

Posted : September 15, 2009 12:18 pm
Posts: 887
Prominent Member

Has anyone had to deal with AARP for a claim? I worked in the insurance industry for years (a long time ago) and when I asked the AARP insurance rep a few simple coverage questions he was not able to answer them. This made me wary of using them. If anyone has some real experience to share I would appreciate it very much.

Posted : September 15, 2009 1:06 pm
Posts: 501
Honorable Member
Topic starter

I did ask for quote from AARP. However, because we do short term vacation rentals they will not extend a policy.

Posted : September 15, 2009 1:20 pm
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