How much is your homeowner's insurance?
I am looking for a rough estimate on a 1300 sq ft. brick home in the south worth 134K
Answers: Insurance for my similar size wood home that the county figures is worth $186,048 on 1/2 acre contained by IL is $421/yr. But if you are in a flood plain or storm area surrounded by the south, it could be considerabley higher.
You can find out about flood plains by getting a free FIRMette map of the nouns from www.fema.gov.
OK, most policies don't base it on what it's WORTH to sell - it's base on how much it will cost to FIX, as that's what most policies have to pay. Figure, $200 a square foot for the average house to fix, you're looking at $260,000 for replacement cost - perchance less in some areas, but surely not anywhere effective $134K.
If you're in Florida, that's probably going to cost you about $12,000 a year, for homeowners, weave, and flood. If you're in Houston, about $4,000, for homeowners near wind, and a seperate flood policy, if you're in a dignified risk flood zone.
If you're south, like Arizona, and a low risk area, possibly $1200 a year.
It also depends on your credit score, how old the house is, what it's made from, any prior claims, and how far you are from a fire department.
Bottom queue - the range for this is most likely between $1,000, and $12,000. Not much backing, I know. There isn't a real short cut, you're going to have to jump to a local agent and shop around.
Don't try to get ballpark quotes from other homeowners. Insurance is based on the incomparable features of the house, a person's credit, and many other variables that may or may not apply to you like pets, occupation and valuables. Plus they could be instrument underinsuring their house (TONS of people do this), leading you to believe the insurance should be lower. The best agency to get an ACCURATE quote for YOUR house is to contact some insurance agents. I have a $300,000 house contained by Portland Oregon
I have replacement coverage and a 300,000 liability limit.
2200 sq ft house
I settle up $500 a year.
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Answers: Insurance for my similar size wood home that the county figures is worth $186,048 on 1/2 acre contained by IL is $421/yr. But if you are in a flood plain or storm area surrounded by the south, it could be considerabley higher.
You can find out about flood plains by getting a free FIRMette map of the nouns from www.fema.gov.
OK, most policies don't base it on what it's WORTH to sell - it's base on how much it will cost to FIX, as that's what most policies have to pay. Figure, $200 a square foot for the average house to fix, you're looking at $260,000 for replacement cost - perchance less in some areas, but surely not anywhere effective $134K.
If you're in Florida, that's probably going to cost you about $12,000 a year, for homeowners, weave, and flood. If you're in Houston, about $4,000, for homeowners near wind, and a seperate flood policy, if you're in a dignified risk flood zone.
If you're south, like Arizona, and a low risk area, possibly $1200 a year.
It also depends on your credit score, how old the house is, what it's made from, any prior claims, and how far you are from a fire department.
Bottom queue - the range for this is most likely between $1,000, and $12,000. Not much backing, I know. There isn't a real short cut, you're going to have to jump to a local agent and shop around.
Don't try to get ballpark quotes from other homeowners. Insurance is based on the incomparable features of the house, a person's credit, and many other variables that may or may not apply to you like pets, occupation and valuables. Plus they could be instrument underinsuring their house (TONS of people do this), leading you to believe the insurance should be lower. The best agency to get an ACCURATE quote for YOUR house is to contact some insurance agents. I have a $300,000 house contained by Portland Oregon
I have replacement coverage and a 300,000 liability limit.
2200 sq ft house
I settle up $500 a year.