Sinkhole deductible 10% of 300k home value(AAA)vs $1000 deductable Allstate

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  #1  
Old 02-22-2021, 06:02 PM
boxcarwilly boxcarwilly is offline
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Default Sinkhole deductible 10% of 300k home value(AAA)vs $1000 deductable Allstate

I have until the 28th of this month to switch.Bundle house and car 2300.00 AAA...2756.00 with Allstate.Big difference between $30,000 and $1000.00 sinkhole deductable .Still reviewing fine print.

Last edited by boxcarwilly; 02-22-2021 at 07:59 PM.
  #2  
Old 02-22-2021, 11:39 PM
EdFNJ EdFNJ is offline
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Sorry, can't imagine a $1000 SINKHOLE deductible on full sinkhole coverage for those kind of prices (AUTO & HO). Seems way WAY too low. It may be $1000 deductible only applying to sinkhole catastrophic loss which is law in FL (not the ded, the CL coverage)?? Allstate gives no bargains so that doesn't make a lot of sense. If it is FULL SINKHOLE COVERAGE with $1000 ded for sinkholes PLUS AUTO for those prices please let me know, I'll switch in a heartbeat.
  #3  
Old 02-23-2021, 09:24 AM
boxcarwilly boxcarwilly is offline
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Here is the letter from Allstate:
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  #4  
Old 02-23-2021, 09:42 AM
EdFNJ EdFNJ is offline
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Your image didn't work but you left out lots of info. Comparing insurance rates without every coverage detail is impossible inc value of home etc etc etc

#1) How many cars? How old? What kind of coverage?
#2) All other included coverages for homeowners? Location? Home value?

I pay ~$900 YEAR (~$450x2) not 6 months for auto (Geico) with full maximum on all coverages except med payments and low $100comp/$500coll deductibles on a 2020 Kia . I pay ~$750 from Travelers for home owners also with Max coverages and 10% S.H. deductible on a 2/2 Colony.

Last year I did extensive apples to apples rate comparisons between about 6 or 7 insurance companies posted somewhere around here. FULL sinkhole coverage alone (not 10% ded) supposedly runs $2000-$3000 but again, that depends exactly on WHERE you live. 1 mile can make a big difference of an insurance company not even writing S.H. coverage.

People will often post "I PAY XX for my car insurance" without any details so comparison is virtually impossible.
  #5  
Old 02-23-2021, 09:51 AM
boxcarwilly boxcarwilly is offline
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Quote:
Originally Posted by EdFNJ View Post
Your image didn't work but you left out lots of info. Comparing insurance rates without every coverage detail is impossible inc value of home etc etc etc

#1) How many cars? How old? What kind of coverage?
#2) All other included coverages for homeowners? Location? Home value?

I pay ~$900 YEAR (~$450x2) not 6 months for auto (Geico) with full maximum on all coverages except med payments and low $100comp/$500coll deductibles on a 2020 Kia . I pay ~$750 from Travelers for home owners also with Max coverages and 10% S.H. deductible on a 2/2 Colony.

Last year I did extensive apples to apples rate comparisons between about 6 or 7 insurance companies posted somewhere around here. FULL sinkhole coverage alone (not 10% ded) supposedly runs $2000-$3000 but again, that depends exactly on WHERE you live. 1 mile can make a big difference of an insurance company not even writing S.H. coverage.

People will often post "I PAY XX for my car insurance" without any details so comparison is virtually impossible.
Try this image.
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  #6  
Old 02-23-2021, 09:55 AM
boxcarwilly boxcarwilly is offline
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Quote:
Originally Posted by EdFNJ View Post
Your image didn't work but you left out lots of info. Comparing insurance rates without every coverage detail is impossible inc value of home etc etc etc

#1) How many cars? How old? What kind of coverage?
#2) All other included coverages for homeowners? Location? Home value?

I pay ~$900 YEAR (~$450x2) not 6 months for auto (Geico) with full maximum on all coverages except med payments and low $100comp/$500coll deductibles on a 2020 Kia . I pay ~$750 from Travelers for home owners also with Max coverages and 10% S.H. deductible on a 2/2 Colony.

Last year I did extensive apples to apples rate comparisons between about 6 or 7 insurance companies posted somewhere around here. FULL sinkhole coverage alone (not 10% ded) supposedly runs $2000-$3000 but again, that depends exactly on WHERE you live. 1 mile can make a big difference of an insurance company not even writing S.H. coverage.

People will often post "I PAY XX for my car insurance" without any details so comparison is virtually impossible.
Image shows in preview but does not seem to post.can i private pm you?
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  #7  
Old 02-23-2021, 04:11 PM
boxcarwilly boxcarwilly is offline
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Default Letter from Allstate reference (full)sinkhole low deductable

Letter from Allstate reference (full)sinkhole low deductable.
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  #8  
Old 02-23-2021, 04:27 PM
boxcarwilly boxcarwilly is offline
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preview displays image but post will not..get a 400 bad request.
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  #9  
Old 02-23-2021, 04:38 PM
boxcarwilly boxcarwilly is offline
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Quote:
Originally Posted by boxcarwilly View Post
I have until the 28th of this month to switch.Bundle house and car 2300.00 AAA...2756.00 with Allstate.Big difference between $30,000 and $1000.00 sinkhole deductable .Still reviewing fine print.
from smartphone
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  #10  
Old 02-23-2021, 10:33 PM
SharonW SharonW is offline
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Quote:
Originally Posted by EdFNJ View Post
Sorry, can't imagine a $1000 SINKHOLE deductible on full sinkhole coverage for those kind of prices (AUTO & HO). Seems way WAY too low. It may be $1000 deductible only applying to sinkhole catastrophic loss which is law in FL (not the ded, the CL coverage)?? Allstate gives no bargains so that doesn't make a lot of sense. If it is FULL SINKHOLE COVERAGE with $1000 ded for sinkholes PLUS AUTO for those prices please let me know, I'll switch in a heartbeat.
Allstate does offer all perils deductible for sinkhole. They are one of the few companies in Florida that do offer lower deductible.
  #11  
Old 02-23-2021, 11:02 PM
EdFNJ EdFNJ is offline
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Quote:
Originally Posted by SharonW View Post
Allstate does offer all perils deductible for sinkhole. They are one of the few companies in Florida that do offer lower deductible.
I don't doubt that, it's the quoted combined cost I questioned for auto + homeowners + S.H.
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