✨ Taylor Talks✨
Region: US
Monday 06 October 2025 14:09:53 GMT
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kay.sip :
This is literally *the highest* risk type of property to insure. Vacant + construction = $$. That is probably the reason for the rate. Red flag that the agent didn’t explain this, though!
2025-10-06 21:02:46
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Kaylannimoucha :
Insurance Agent here - vacant/under renovation properties are going to be more to insure, greater risk with these types of properties being broke into. If the claim is still open it’s going to be hard to find a new carrier to write a policy. Increasing the deductible will help, also if you don’t need replacement cost on it then actual cash value might save you some money also
2025-10-06 20:14:15
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Kellie :
Vacant properties are sooooo much more expensive to insure!! Like WHYYYY 😭😭😭
2025-10-06 16:31:33
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jenniferjasperlucas :
Vacant = more expensive insurance
2025-10-07 01:27:23
5
mcshelbs3 :
If it burned down you’d want it replaced. 😅
2025-10-06 21:27:29
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Ashley Netherton :
Vavcant, investment, a claim… as an insurance agent.. literally the most expensive thing you can insure… sorry! 😫
2025-10-07 00:48:03
3
Boiled Chicken Nuggets :
It’s empty, you’re going to find it gutted for copper and/or burned to the ground and file a total loss claim. Take the 2200.
2025-10-06 22:09:35
2
JEMoody :
That is an UW nightmare - I am surprised this was even renewed
2025-10-08 18:16:00
2
Jen Wilkinson :
925sqft we pay almost $3000
2025-10-06 17:18:32
2
Krystal Dickson Trux :
😂😂😂 Mine was $9000 .. I wish it was $2000
2025-10-06 21:28:39
2
Erin Griffith :
Girllll $2000 is nothing where I live. As an insurance agent in Colorado most customers would kill for that
2025-10-08 01:53:44
1
Ale🇨🇷🇺🇸 :
Vacant/being remodeled with claims! I’m actually surprised they haven’t cancelled it. That’s one of the highest risks.
2025-10-07 16:56:00
1
SaDonna Campbell :
You are lucky they are covering the property with it being vacant. I would definitely check on a builder's risk policy since you are doing renovations. And, that can be converted easily over to a rental dwelling policy.
2025-10-07 18:31:10
1
Misty Links :
Not sure what value you have it insured for, but I would probably make sure it’s on a Builder risk policy also! That might’ve been part of your issue during the claim is the fact that it’s vacant under construction that they’re only gonna pay you out a percentage of what they would’ve paid. Builders risk is only gonna be actual cash value on the existing structure and then replacement cost on the renovations, but it’s gonna cover you for theft when not bet your other policy won’t!
2025-10-06 22:14:50
1
Tiktokgavemenousename :
Watch out. Moved out of a house waiting for it to sell, notified insurance company, got dropped. No claims ever.
2025-10-06 18:45:43
1
Christa Pillar :
Ours went from 1700 to 3500 a year we had the same insurance for 5yrs with no claims 🙄 I shopped insurance and got a better rate for 1300 a year.
2025-10-06 19:37:24
1
Loved and blessed :
that increasesn't that bad actually our policy was 2,000 a year before a claim we had a small claim 5000 and we ended up at 3500 a year now so actually be thankful
2025-10-06 21:01:52
1
Icedtia85 :
😩
2025-10-07 20:31:47
0
Heathahowareyoudoin? :
Biggest scam in history
2025-10-06 18:26:24
1
Brittany :
I have 20 acres with a 1 million $$ liability policy, plus an 1800 sq ft house for $1,800 a year. Shop around, you're getting ripped off!
2025-10-08 12:09:29
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