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Country Discussion Topics
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House insurance
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fw    Posted 10-19-2004 at 06:34:42       [Reply]  [No Email]
my house insurance has doubled in 3 years,
with no claims, im lokking for a new company,
any suggestions??


James(Ga)    Posted 10-19-2004 at 14:19:32       [Reply]  [No Email]

fw,i am with Farm Bureau and have been for about 20+ years and have replacement insurence for $474.00 per year but i have never had a claim,thank goodness.Oh yes that replacement coverage is replacement on house up to $105,000 witch may or may not rebuild our home but hope we never have to find out. James(Ga)


~Lenore    Posted 10-19-2004 at 08:57:10       [Reply]  [No Email]
I have had Farmer's Ins. for 20 years, my ex was a Farmers agent for a couple of years. My house and cars were all insured by Farmers.
Three years ago I sent in my annual premium payment.
It was cashed and I thought I was insured. About two months later I recieved a check from Farmers saying my insurance was not renewed and they were returning my payment. So they used my money for two months and I was not covered.
Shortly after that I recieved a statement from them for triple the premium offering to insure my home again! I did not accept that generous offer.

So my home has not been insured for the past three years. I guess I am just an angry gambler after all.



Mike(Wi)    Posted 10-19-2004 at 09:04:20       [Reply]  [Send Email]
FYI,

What they pulled on you is NOT legal. Had you had a claim during those two months, they would have had to honor it. Moreover, you could have contested them dropping you some 60 days after cashing your check. Legally, you cannot be dropped or not renewed without a minimum of 30 days advance notice.

You could have made all sorts of trouble for them when they treated you like that.

Considering the current scandals in the industry with Elliot Spitzer, I am VERY HAPPY that someone is trying to take these jerks to task.


Jet9N    Posted 10-19-2004 at 08:28:37       [Reply]  [No Email]
Mine is almost double what it was last year. A
couple years ago my independent agent found a new
company after the old insurer raised the rates
quite a bit. Now this insurer is giving up and
sold the business to another company and the rate
doubled. I guess the other company lost money.

Jet


Joel    Posted 10-19-2004 at 07:41:13       [Reply]  [No Email]
been real happy with Cotton states here. Cheaper than the state farm we had before too.


Peanut    Posted 10-19-2004 at 07:26:38       [Reply]  [No Email]
I had MetLife for homeowners insurance for 10+ years. I had two hail claims (one for the roof on the house and one for the roof on the covered porch) over a two year period. They raised the deductible to $1000 for ALL HAIL claims in Missouri and then told me they were dropping me. All told, they paid me about $3500 for both claims combined. I really dont like how they handled that at all.

I went to American Family because I have my auto & motorcyle insurance with them. They were much cheaper than MetLife. Even got a mult-policy discount on top of their already lower price. I have not had a claim on the house but their auto claim process works very well.


Willy-N    Posted 10-19-2004 at 07:17:58       [Reply]  [No Email]
We use Safeco and are real happy with them. They have gone up a little in 8 years but we also had a $15,000.00 claim during the big fire in 2001 and they paid it with no problems. It is going to take them a lot of years to get that back! Mark H.


bob    Posted 10-19-2004 at 07:17:47       [Reply]  [No Email]
My past experience is with natinal company you will asborb all the costs in asmaller one unless you have a local disaster it will be cheaper. I had two claims last year of which they paid and only increase was in valuation. I asked about being cut off and they told me my claims were not repeats of smae things That is what they watch for. Might not be able to do iun your area


Griz    Posted 10-19-2004 at 06:45:06       [Reply]  [Send Email]
I run RJT Consulting and we have a P&C division. For starters, last year (2003) we saw a downward trend in homeowners insurance with the largest decrease starting in the summer of 2004. For yours to triple is a bit ridiculous. However, with that being said, if you have filed a lot of claims or are in an area seeing significant claims (ie Florida & hurricanes) then I can understand the reasoning.

My advice, stay away from the internet insurers like Gieco and Progressive. They have a horrible reputation and their premium increases have been well above average. Stick with Allied, Auto-owners, Safeco, State Farm and even Allstate.

If you live in the midwest (especially Illlinois) then shoot me an email and I can see what we can do for you.

Good Luck!

Griz


Have a look....    Posted 10-19-2004 at 06:44:16       [Reply]  [No Email]
Been with these folks over 25 years....no problems whatsoever.....


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