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| *Loan,banking and credit>>>homeowner insurance |
How much does homeowners and flood insurance cost in Mt Pleasant SC? We are thinking of relocating ...? |
The home we are looking at is 400,000 and in the X or A zone X zone is not a special hazard flood zone, A is. The maximum limit available on flood policies is $250,000 building and $100,000 contents. If in X zone the bank will not require flood insurance, in A they will. The X zone will probably cost about $350, A zone will be more like $2000+ and in an A zone, if the house was built AFTER the last flood map, an elevation certificate will be required. This has to be done by an engineer & will cost. The cost will depend on how far away the house is from the closest elevation pin (like a survey pin but shows the elevation at that point). Now for homeowners insurance, there is no way to estimate that without knowing a TON about the house, age, replacement cost (size, quality of construction, # baths, what the walls, floors are made of, etc), updates of major systems, construction type, type of heating & type of roof. Then your information - insurance score, any animals (type), trampoline, bankruptcy, business on premises. Your best bet is to call an agent in the area you are looking. Once you have a house in mind, make a few calls. A good agent will ask you the above questions plus a whole lot more. Be prepared to be on the phone with them about 1/2 hr or so. If they don't ask many questions, I wouldn't use them because there may be surprises once you go to do the application - price change, company change or they may not be able to write you... Go with the one that asks the questions, that way, the quote is much more accurate & there should be no last minute surprises. One more thing BE HONEST!!! Answer all questions as truthfully as possible. We as agents don't like to waste our time because, if you do not tell the whole truth to get a better rate (we are pretty good at spotting this), you could either end up with a null & void policy if there is a loss (worst case) or best case, the company or the agent finds out something that would have made them not write your policy & the company will cancel your policy. Companies pull claims histories & many will inspect the house so be ready! Good luck in your house hunt! Talk to a local agent in South Carolina. They are familar with the houses and can help you determine the right amount of coverage needed. Here is a list of agents in South Carolina sorted by zip code: http://www.insuremyhouse.com/southcaroli... There's a HUGE difference in flood rates between zone X and zone A. As far as the homeowners insurance, it's ALSO going to depend heavily on your credit score and past claims history, not to mention specifics of the house itself. You're going to have to have a house in mind - and an address for the house, and the update information for it, along with street address, in order to get a quote from an agent down there. agent, 21+ years compare online http://www.insurance-assurance.com/... Check out this link for "local Independent Insurance Agents" in your area. Normally, there are many factors associated in determining a good faith estimate. I always shop around via the phone & the Internet in order to get the best possible terms. You'll be very surprised at the vast differences between each agency!!! Good luck and I hope this helps!!! |
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