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Residential Insurance Examples

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I recently asked an independent insurance agent with whom I do business to provide me with some "ballpark" insurance costs. His company--one of the largest residential insurers in the state--does not allow their agents to publish rates under the company name due to the large number of variables involved in determining the final policy cost. However, the agent did provide me with some baseline numbers to use in estimating home insurance costs. However, as you can see, these are presented without identifying the company. His letter and chart follow:

"Per your request, the following are examples of homeowner's rates for the company I represent in San Antonio. (These) quotes include: 1% deductible, personal property at 60% of the dwelling amount, replacement cost on personal property, residential glass coverage up to $100 per pane, and $100,000 of personal liability protection.

"Please be aware that these rates may vary significantly by zip code, age/condition of the home, optional coverages, and deductible amounts. No discounts have been applied (to these rates). The following discounts are available in most companies: non smoker, auto-home, quality roof, age over 50, security (system) and New-Home. These (discounts) may reduce the cost of homeowners insurance significantly."

Homeowner's Insurance Rate Examples for San Antonio
 Dwelling Amt.    Frame     Stucco     Brick Veneer  
$65,000 $529 $453 $450
$75,000 $587 $502 $498
$85,000 $644 $549 $544
$95,000 $700 $596 $590
$105,000 $753 $642 $635
$125,000 $859 $731 $724
$145,000 $963 $817 $810
$165,000 $1063 $902 $893
$185,000 $1162 $984 $975
$200,000 $1234 $1045 $1034

For specific quotes (with applicable discounts) a licensed insurance agent should be contacted. If you wish to be put in contact with the agent providing this information, feel free to e-mail me: Randy@alamoliving.com