topic Re: Best Company for Homeowners Insurance in Home

Best Company for Homeowners Insurance

Shana1201 — Mon, 21 Apr 2014 16:17:17 GMT

After yet another hailstorm we will be needing a new roof. This will be the second new roof in 9 years and I fear that after the new roof is completed we will be dropped by our insurance company. Who do use for your Homeowners Insurance and are you happy with them? I know that there was a similar post recently but I can not find that post.

Re: Best Company for Homeowners Insurance

Ibby114 — Mon, 21 Apr 2014 19:39:20 GMT

I can tell you who to stay away from- Travelers! My new policy is with Geico (bundled with my auto policy), I haven't had any claims yet to comment a rant or rave.

Re: Best Company for Homeowners Insurance

Shelbelle — Mon, 21 Apr 2014 19:41:41 GMT

I also left Travelers, huge ripoff company!!!

Re: Best Company for Homeowners Insurance

Meeras — Mon, 21 Apr 2014 19:54:07 GMT

i m having frm this http://goo.gl/tcLH1B its worth checking

Re: Best Company for Homeowners Insurance

JeanLouiseFinch — Mon, 21 Apr 2014 20:03:32 GMT

We used to have State Farm (bundled auto and homeowners). It's a long story, but several years ago SF threatened cancellation on the auto or we could agree to go into one of their high risk plans. Well, after being customers of theirs since the mid 70's, we were a bit insulted. DH investigated and we ended up going with Ameriprise (equal or better coverage for less money). We switched the homeowner's too. Because we're Costco Executive Members, we get a 10% discount, but anyone can insure with them. We've been very happy customers.

Re: Best Company for Homeowners Insurance

Kay SD — Mon, 21 Apr 2014 20:05:06 GMT

Lots of people don't know that AAA sells homeowner's as well as auto, always at good rates, and I'v been very happy with their service when i've needed it.

Re: Best Company for Homeowners Insurance

2blonde — Mon, 21 Apr 2014 20:09:25 GMT

I don't know your location, but I'm in Ohio and have been very pleased with the service and pricing from Erie Insurance (both auto and home). They paid the full amount of coverage when we had 10 inches of rain in 2006 and I had a sewer backup. Payment was within a week of the incident. They are mainly in PA and OH I believe.

Re: Best Company for Homeowners Insurance

Nightowlz — Mon, 21 Apr 2014 20:13:27 GMT

We have full replacement cost homeowners & our auto with State Farm. They have replaced our roof from hail twice.

Re: Best Company for Homeowners Insurance

151949 — Mon, 21 Apr 2014 20:14:17 GMT

We always had Erie when we lived in Pa, and they still insure our camper that is up there. But when we moved to Fl. we had to find a different co - we ended up going with AAA- the auto club. Then their agent also got us additional wind and flood and storm surge from other companies as AAA doesn't offer those. So we are totally covered through our AAA agent.

Re: Best Company for Homeowners Insurance

dkh — Mon, 21 Apr 2014 20:16:36 GMT

We've been with USAA for 37 years and love them. Have them for all our insurance needs.

Re: Best Company for Homeowners Insurance

firstsoprano — Mon, 21 Apr 2014 20:22:59 GMT

We recently returned to Erie (paid sewer damage claim years ago). We then went with State Farm for less expensive rates until they raised our homeowners premium significantly after we had two storm related claims (both times siding and shutters were replaced). I am hoping Erie will give us the superb service we had years ago.

When we switched back to Erie we saved approximately $800 (HO and auto policies)

Re: Best Company for Homeowners Insurance

RainyDayGal — Mon, 21 Apr 2014 20:32:39 GMT

You have to replace your entire roof? The whole thing is bad? What kind of material are they using that you have to replace the entire thing after 9 years?

Re: Best Company for Homeowners Insurance

Shelbelle — Mon, 21 Apr 2014 20:49:45 GMT

Our agent recently transferred us from Travelers to Cincinnatti Ins. for both car and home.

Re: Best Company for Homeowners Insurance

geraldine — Mon, 21 Apr 2014 21:00:22 GMT

On 4/21/2014 RedConvertibleGirl said:
You have to replace your entire roof? The whole thing is bad? What kind of material are they using that you have to replace the entire thing after 9 years?

A golf ball size hail storm will take out a roof less than 9 years old. A frequent occurrence in North Texas.

Re: Best Company for Homeowners Insurance

TeezNu — Mon, 21 Apr 2014 21:09:24 GMT

My brother and I both use State Farm for our houses & cars, and have been extremely pleased. I had a cast iron sewer with many leaks - affecting my foundation - that they replaced with PVC pipe, and rerouted from underneath the house. My brother just had a roof replaced and leak damage repaired. However, their rates have increased dramatically over the last few years - maybe that is typical among most insurance companies.

Re: Best Company for Homeowners Insurance

stilltamn8r — Mon, 21 Apr 2014 21:10:26 GMT

California Casualty for about 30 years-

Re: Best Company for Homeowners Insurance

RainyDayGal — Mon, 21 Apr 2014 21:13:36 GMT

On 4/21/2014 geraldine said:
On 4/21/2014 RedConvertibleGirl said:
You have to replace your entire roof? The whole thing is bad? What kind of material are they using that you have to replace the entire thing after 9 years?

A golf ball size hail storm will take out a roof less than 9 years old. A frequent occurrence in North Texas.

I guess I'm just picturing the entire roof with holes everywhere and practically gone. So you can't replace just a section of the roof? Do they have special roof insurance for people that live in areas prone to this, like they do for people that live in flood areas?

Re: Best Company for Homeowners Insurance

Shana1201 — Mon, 21 Apr 2014 21:48:42 GMT

Similar to what geraldine said, we had golf ball size hail and have deep indentations in many of the shingles all over the roof. We have had a roofer out to inspect the roof and he feels that a 9 year old roof should not be covered with patches.

Re: Best Company for Homeowners Insurance

RainyDayGal — Mon, 21 Apr 2014 22:10:33 GMT

On 4/21/2014 Shana1201 said: Similar to what geraldine said, we had golf ball size hail and have deep indentations in many of the shingles all over the roof. We have had a roofer out to inspect the roof and he feels that a 9 year old roof should not be covered with patches.

That's what I'm thinking. Maybe the materials they used were inferior? Is there any kind of warranty on the shingles? I just can't imagine everyone that lives in areas where hail is a problem having to constantly replace their roofs, and insurance paying for them. It just seems odd to me.

Re: Best Company for Homeowners Insurance

Sooner — Mon, 21 Apr 2014 22:14:05 GMT

On 4/21/2014 Nightowlz said:
We have full replacement cost homeowners & our auto with State Farm. They have replaced our roof from hail twice.

Us too. Cedar Shake roofs. I think an awful lot depends on the agent you have. Ours has really smoothed out some problems for us. And we have a LOT of bad weather where I live.