St. Louis Nesties
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Homeowners Insurance
I'm new around here and I'm even newer to the buying a home thing. We've finally found a house which I absolutely fell in love with but I've hit a brick wall when it comes to finding a homeowners insurance company. We use Geico for our cars but their rates aren't quite as good as some others.
Who do you use? Are they good? Have you had to file a claim yet?
Thanks! 
Re: Homeowners Insurance
We have USAA but you have to be military or family to qualify for them. But, I have American Family for my car and haven't had any problems with them. I would definitely price shop. After getting USAA's quote (my dh has his car through there as well,but they wanted almost double to insure my car, so i'm still w/Am Fam) I called my Am Fam agent and they couldn't come near the price. About once every other year i'll call Am fam, just to see where they're rates are, etc. Definitley look around!
GL! And congrats on the new house!
Congrats! Welcome to St. Louis and home ownership!
I use a company call Century Mutual Insurance - my car insurance broker gave me their name.
I was with Farmers and switched because Century's quote was 1/2 what I was paying with Farmers AND it was for more coverage!! I haven't ever had a claim either.
Century Mutual Insurance
636-250-4100
I also have an insurance broker that I used before and he was really great. He does a whole class about home owner's insurance. He does it for housing corporation that helps families that think they could NEVER buy a home - buy a home.
His name is Shawn McBride - 314-741-1300 (I think that is it - if it isn't page me and I will find the right #)
There are a lot of things that "save" you money on the price of insurance BUT don't save you money when you make a claim. Like some policies will replace your stuff BUT with depreciation. So if your house was a total loss and was built in 1920 they will only pay you what it cost to build it in 1920 NOT what it would cost to rebuild it in 2008!!! A lot of insurance people don't explain that.
Marie
oh, if you're military (or retired military) call USAA. i'm not sure of the requirements because my DH was already a member (he's not military, but his dad is retired Air Force), but give them a try.
i remember state farm being horrible to people in texas and florida during all those storms. they actually "stopped insuring" people in Florida... how do they do that? maybe it's just in that area, but that would scare me.
GL!