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#6641664 - 10/11/12 02:59 PM how much do you pay for house insurance? ver. probably asked
titty sprinkles Offline
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Registered: 08/22/05
Posts: 8468
Loc: Toronto,Ontario
$42 dollah. / month $1000 deduct.

Edited by Flexin5 (10/11/12 02:59 PM)
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#6641699 - 10/11/12 03:21 PM Re: how much do you pay for house insurance? ver. probably asked [Re: titty sprinkles]
Risky Business Offline
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That's cheap, what's your coverage like?

Dig up the old thread, I posted my specs there.

~$60/month

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#6641851 - 10/11/12 04:38 PM Re: how much do you pay for house insurance? ver. probably asked [Re: Risky Business]
titty sprinkles Offline
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Registered: 08/22/05
Posts: 8468
Loc: Toronto,Ontario
-$1000 deduct
-sewage backup coverage
-content
-accident - basically, lets say i drop a TV or some shit i can claim that
and a bunch of other normal stuffs.
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#6641919 - 10/11/12 05:12 PM Re: how much do you pay for house insurance? ver. probably asked [Re: titty sprinkles]
Risky Business Offline
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Not that coverage, the house rebuild value, rental coverage, blah blah.
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#6641967 - 10/11/12 05:42 PM Re: how much do you pay for house insurance? ver. probably asked [Re: Risky Business]
titty sprinkles Offline
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Registered: 08/22/05
Posts: 8468
Loc: Toronto,Ontario
oh rebuild is $400k, no rental coverage cause i'm not renting out anything.
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#6641984 - 10/11/12 05:55 PM Re: how much do you pay for house insurance? ver. probably asked [Re: titty sprinkles]
Risky Business Offline
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400k for rebuild on your house? That doesn't make sense, mine is like 280

My rental coverage is 50k, it has nothing to do with rent, it's for when your house is damaged and you have to live offsite in comparable housing you have a maximum you can spend during the rebuild process.

I checked this in anticipation of blowing up my house due to incorrectly installed gas lines, it's important information.

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#6642038 - 10/11/12 06:39 PM Re: how much do you pay for house insurance? ver. probably asked [Re: Risky Business]
eddie _82 Offline
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Registered: 01/09/03
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 Originally Posted By: Risky Business
incorrectly installed gas lines


Impossible. Even an accountant couldn't mess up that job.

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#6642045 - 10/11/12 06:45 PM Re: how much do you pay for house insurance? ver. probably asked [Re: eddie _82]
Risky Business Offline
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 Originally Posted By: eddie_82
 Originally Posted By: Risky Business
incorrectly installed gas lines


Impossible. Even an accountant couldn't mess up that job.




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#6642107 - 10/11/12 07:22 PM Re: how much do you pay for house insurance? ver. probably asked [Re: Risky Business]
Chocolate Canuck Offline
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Registered: 07/10/01
Posts: 14737
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 Originally Posted By: Risky Business
400k for rebuild on your house? That doesn't make sense, mine is like 280

My rental coverage is 50k, it has nothing to do with rent, it's for when your house is damaged and you have to live offsite in comparable housing you have a maximum you can spend during the rebuild process.

I checked this in anticipation of blowing up my house due to incorrectly installed gas lines, it's important information.

How the fack is yours 280k? My rebuild value was over 600. I told the estimator he could eat a dick. I think thats how they scam you, overestimating.

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#6642111 - 10/11/12 07:25 PM Re: how much do you pay for house insurance? ver. probably asked [Re: Risky Business]
titty sprinkles Offline
Post Master Sr


Registered: 08/22/05
Posts: 8468
Loc: Toronto,Ontario
 Originally Posted By: Risky Business
400k for rebuild on your house? That doesn't make sense, mine is like 280

My rental coverage is 50k, it has nothing to do with rent, it's for when your house is damaged and you have to live offsite in comparable housing you have a maximum you can spend during the rebuild process.

I checked this in anticipation of blowing up my house due to incorrectly installed gas lines, it's important information.


beats me? they asked if my house were to blow up (diy gas fittings..lol jks) how much would it be to re-build it...i'm no accountant so i just said $400k? (lol jks again)


Edited by Flexin5 (10/11/12 07:25 PM)
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#6642136 - 10/11/12 07:36 PM Re: how much do you pay for house insurance? ver. probably asked [Re: Chocolate Canuck]
Risky Business Offline
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 Originally Posted By: Chocolate Canuck
 Originally Posted By: Risky Business
400k for rebuild on your house? That doesn't make sense, mine is like 280

My rental coverage is 50k, it has nothing to do with rent, it's for when your house is damaged and you have to live offsite in comparable housing you have a maximum you can spend during the rebuild process.

I checked this in anticipation of blowing up my house due to incorrectly installed gas lines, it's important information.

How the fack is yours 280k? My rebuild value was over 600. I told the estimator he could eat a dick. I think thats how they scam you, overestimating.


What fucking insurance companies are you people with? I am with TD, they are the ones that told me rebuild value based on the specs/square footage/materials/age of home/current sq.ft cost to build.

If my house is 2,100 sq. ft. with a finished basement it's $133/sq foot to rebuild.

Don't quote me on numbers I don't remember but it was around that.

There is no way your house is insured for 600k rebuild cost, NO FUCKING WAY. That's 4000+ territory.

Or on the flip side TD is scamming me and they know I am gonna blow this bitch up soon and they want to fuck me.


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#6642158 - 10/11/12 07:46 PM Re: how much do you pay for house insurance? ver. probably asked [Re: Risky Business]
zc911 Offline
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Registered: 01/01/00
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Loc: toronto
mine jsut went up to $123 month! what the fuck(no i didnt claim anything) it was $105/month
gonna have to call around.
They did my rebuild price at 550k
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#6642164 - 10/11/12 07:50 PM Re: how much do you pay for house insurance? ver. probably asked [Re: Risky Business]
eddie _82 Offline
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Clearly they left out the shed.

Add $150k.

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#6642168 - 10/11/12 07:52 PM Re: how much do you pay for house insurance? ver. probably asked [Re: eddie _82]
Risky Business Offline
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Ok I am getting fucked over here large. Jesus.

The shed for sure is 150k...tack on another 200k because /markham.

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#6642169 - 10/11/12 07:52 PM Re: how much do you pay for house insurance? ver. probably asked [Re: eddie _82]
Chocolate Canuck Offline
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Registered: 07/10/01
Posts: 14737
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Just checked it, it was 633k with RBC, replacement cost.
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#6642842 - 10/12/12 02:43 AM Re: how much do you pay for house insurance? ver. probably asked [Re: Chocolate Canuck]
hyper-s2k Offline
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Loc: T dot O dot, Canada
$53 / month
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#6710190 - 11/13/12 10:42 AM Re: how much do you pay for house insurance? ver. probably asked [Re: hyper-s2k]
A2B-Civic Offline
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Registered: 04/19/01
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Loc: Canuckistan
Just got my home insurance. $428 per year. Gold package through TD. $1000 ded for the house w my car insurance.
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#6710254 - 11/13/12 10:59 AM Re: how much do you pay for house insurance? ver. probably asked [Re: A2B-Civic]
iamfob Offline
don't call INS on me
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I think I paid something like $600 a year
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#6710337 - 11/13/12 11:25 AM Re: how much do you pay for house insurance? ver. probably asked [Re: iamfob]
A2B-Civic Offline
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Registered: 04/19/01
Posts: 44436
Loc: Canuckistan
^
big place you got there!

I only got $50k in coverage for sewer back up....considering it isn't furnished, it should be sufficent.

Got to read the policy once I get it. They really don't explain the coverages very well.
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#6710791 - 11/13/12 02:18 PM Re: how much do you pay for house insurance? ver. probably asked [Re: A2B-Civic]
iamfob Offline
don't call INS on me
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I dont have the exact figure with me, I know it's between $500 to $600
1500 sq ft semi-detach so not exactly big
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