Quote:
Originally Posted by cjrjck
House was built in 2000. I received 5 different quotes in no time from 4 different companies. In one instance, the agent referred me to another company who offered a quote. Even the larger companies that are not currently writing policies still presented a quote using a 3rd party insurer. Rates were about what I was expecting but coverage differed. In two instances, I called the agents back and had them adjust certain coverages to allow me to compare the different policies on the same footing. Again, I found the roof age and HVAC age to be a bigger issue than the age of the house (not an issue for me since they were new or newer on the home but the insurance companies definitely wanted to know the age of those two items). And those two items could be an obstacle for any house approaching 15 years old or older.
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Two different people have mentioned that age of the HVAC was a factor in getting quotes. Why? They are not insured items unless the home is totally destroyed.