I have Liere for most of my insurance needs but my newest rental in League City has some issues with insurance. Several of lieres providers no longer wrote policies in that area and the only provider they have seems to be very expensive. I dont want to go with goosehead because I had some other issues with them. Any input on who you have as a provider will be greatly appreciated.

Property insurance is getting pretty tough in the coastal areas, and it's only going to get worse. Most all carriers are tightening up on their underwriting guidelines so unless you have a fully replaced roof newer than 15 years old, and have fully replaced the plumbing, electrical and heating in the last 30 years, you will likely be stuck with an ACV basic form policy and pay more for that then you did for a quality policy 3 years ago. This is especially true with tenant occupied property.

I would be surprised if Goosehead had options Liere does not since they are both independent and for the most part represent the same companies. Then again, I am not too well versed on smaller property markets as I am in the commercial world. My property market experience focuses on larger property schedules, strip centers, warehouse…etc. In the commercial world, we have seen a 150%+ increase in premiums for coastal property over the last couple of years. It's becoming unsustainable for a number of property/business owners.

All that so say, I wish you the best of luck. It will not be an easy task to find adequate coverage at an "affordable" premium, at least not right now.

Try USAA, Travelers, and Farmers. I hear that many companies are cutting out rentals all together and prices are exploding.

Yep. Germania just started limiting the number of rentals they will insure on one policy. We just tried to add another one & they won't. The policy we have will renew (haven't seen the rates yet) and they won't even write a separate policy for new one. Now we'll have another policy to keep up with.

Good luck with USAA, they've been terrible on quotes lately on property insurance.

Robinson family insurance is who we use for our rentals in that area. Matt is the owner and is based out of league city Dickinson area. We have about 13 houses from Alvin, fort bend and orange. They cover all of them.

I bet you got some tenant stories from that geography.

JM04 said:

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Robinson family insurance is who we use for our rentals in that area. Matt is the owner and is based out of league city Dickinson area. We have about 13 houses from Alvin, fort bend and orange. They cover all of them.

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Thank you. Can I tell them who sent me? Feel free to email me at username2121 at gmail