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USAA HOMEOWNERS INSURANCE: READ!
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USAA HOMEOWNERS INSURANCE: READ! - August 24, 2011, 08:20 AM

Luckily, my home had no damage. But, I have heard some people did.

USAA's homeowners insurance does NOT have an earthquake rider unless you ask for it.

If you have USAA, you may want to call and get that added. It only added 4 dollars a month to my premium.


In addition, they offer sump pump failure coverage. If your sump pump fails when the power goes out this weekend, you'll be good. LOL


Anyways, just a heads up.


-Fitz

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August 24, 2011, 12:06 PM

good idea even if you arnt with USAA..

calling my ins now.


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August 24, 2011, 12:07 PM

Damn, I was on the fence about flood insurance when I bought my house. Now I have to consider earthquake coverage too?!?! Earth, why do you hate me so?


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August 24, 2011, 12:08 PM

Well get your flood insurance cause Irene is a cat 3 and comin our way


*Not intended to be a factual statement.
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August 24, 2011, 12:10 PM

they typically won't let you add it if there's pending weather.


Just so you know.


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August 24, 2011, 12:12 PM

Quote:
Originally Posted by Scot View Post
they typically won't let you add it if there's pending weather.


Just so you know.
This


However, wind damage should already be covered without FEMA flood protection. At least, in my policy it is

I also have a feature on mine that will protect me from basement flooding if the sump pump fails.


-Fitz

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August 25, 2011, 09:21 PM

30 Day activation period for flood insurance and $1000.00 Deductible.


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August 25, 2011, 09:31 PM

Its important to REALLY look at your policy. I learned a $2k lesson back in 2008 when my neighbor's hot water heater blew and flooded my bedroom. Because there was no negligence on her part, both her insurance and mine agreed she was not liable for damages. Ok, no big deal I thought. I have home owners. Unfortunately, though my policy did cover things like appliances, cabinets, electronics, etc... it did NOT cover for such damage to the walls, floor, carpet, etc.


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August 26, 2011, 08:04 AM

You also check about extra riders to your coverage if you own guns, have a lot of jewelry, etc. With USAA their standard is $1000 in coverage for that stuff. Since I have way more than that in guns, not to mention my 5ct diamond Prince Albert ring, I had to add a rider for the extra.
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August 26, 2011, 08:30 AM

Fitz, you may want to double check your coverage that you just got. A friend who lives in Mineral called and USAA quoted him $40 a year for the earthquake rider but the deductible is 10% of the value of the house.


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August 26, 2011, 08:35 AM

Quote:
Originally Posted by RCFiddyOne View Post
Damn, I was on the fence about flood insurance when I bought my house. Now I have to consider earthquake coverage too?!?! Earth, why do you hate me so?
Also flood and sup pump are different with some companies you have to ask. Nice thing about the insurance I have is flood is also considered a flood if we have a sewage backup and the place get's flooded with shit. That alone is worth what ever I pay a year.
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August 26, 2011, 08:44 AM

i thought you could get flood insurance only if you lived in an official flood zone? so not sure how sewage backup can be considered a flood?


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August 26, 2011, 08:46 AM

Quote:
Originally Posted by novasquid View Post
i thought you could get flood insurance only if you lived in an official flood zone? so not sure how sewage backup can be considered a flood?
Not sure myself but when I first got it, I lived on a huge as hill and as soon as they said it would cover sewage back ups I was sold. I think pay ten a year.
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August 26, 2011, 08:50 AM

yeah, i remember asking my insurance agent about flood insurance despite living on top of a hill, and was told i didn't qualify since i didn't live in a flood zone.

i think i'll call her again about the sewage backup though, i'll gladly pay a few bucks for that coverage if i don't have it already.


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