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My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39005649 added 04-20-2011 10:27 AM by Brian1 in Archived Deals
Possibly. If you're with a mutual insurance company (like Amica), your first year is typically higher than the subsequent years.
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39008707 added 04-20-2011 11:57 AM by Dr. J in Archived Deals
Well the agent got back to me. After calling the insurance co, even the insurance co didn't know why. She said that most people's has gone up. The best answer they could come up with is that maybe...
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39002773 added 04-20-2011 8:47 AM by Dr. J in Archived Deals
Yep - by about 30%~! How the hell did that happen? All the coverages are the same (actually coverages increased a bit due to appreciation, something they automatically figure in). Deductible...
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39002855 added 04-20-2011 8:51 AM by thelok in Archived Deals
How much % down payment did you put down?
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39016951 added 04-20-2011 5:29 PM by wes in Archived Deals
I guess that new year's resolution to stop playing with matches is really paying off! :D What state are you in? That can be a big factor. I know the insurance companies felt alright to rape...
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39003503 added 04-20-2011 9:16 AM by Kicker774 in Archived Deals
If it's anything like your car insurance it may lower based on good credit. Or milestones such as getting married, having a kid, turning 30/40/50 Unless the value of your house went down thereby...
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39027903 added 04-21-2011 6:46 AM by Boomancini in Archived Deals
Doesn't work like that. The extra you pay does not go to principal. Your P&I payment never changes through your mortgage (other than your very last payment). Your mortgage company will be adjusting...
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39016771 added 04-20-2011 5:20 PM by barnz008 in Archived Deals
The first rule on Slick Deals: Don't call!!! :D I'm going to check mine now. That's great for you, now you can trade more fiat. :woot:
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39004475 added 04-20-2011 9:48 AM by Dr. J in Archived Deals
20% dp when we bought the house. no other milestones. As I said the coverages went up - they assume that the home will appreciate a certain % every year (in this case 4.3%).
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39005343 added 04-20-2011 10:17 AM by helprin in Archived Deals
I would assume that your ins co is using a new algorithm to come up with your rates- also, if they use credit-based scores, your rating would now be better as it has been a year since you got your...
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39030097 added 04-21-2011 8:23 AM by Dr. J in Archived Deals
Ahh I forgot about that. Ahh well, it's less money anyway, EDIT - actually no that's incorrect. The escrow amount will eventually change (whenever the bank re-assesses it I guess) but the...
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39025071 added 04-21-2011 1:32 AM by lettherebeme in Archived Deals
Definitely this, don't let curiosity ruin a good thing!
My homeowner's insurance premium actually DECREASED?!?!?!?
Expired
Thread created 04-20-2011 by Dr. J
0 Score 13 Replies 1,241 Views
Post #39026713 added 04-21-2011 5:32 AM by Dr. J in Archived Deals
Well the premium is held in escrow by my mortgage company, so I'll just keep making the same payments. $300/year more to principal isn't a bad thing.

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