topic Re: Homeowners Insurance in Among Friends

Homeowners Insurance

BunSnoop — Tue, 05 Apr 2022 21:25:36 GMT

Our cars are insured with Progressive. Our home with Allstate. Tried to bundle once with Progressive; however, the price for the homeowners was still too expensive. Tried to bundle with Allstate but the price was so high and they were going to give us less coverage (take one car off the policy). So, I need homeowners insurance - but not bundled with cars.

Have you got found a company that has good service and the premiums are a bit better than other companies?

Re: Homeowners Insurance

on the bay — Tue, 05 Apr 2022 21:32:48 GMT

@BunSnoop,

I had the same experience!

I had Progressive with car and rental insurance with Allstate. Bundling with Progressive-their homeowners insurance was way more expensive than Allstates but their auto was less than Allstate so I kept auto with Progressive and Homeowers (rental) with Allstate.

That was a few years ago so I don't have new prices.

I never did find cheaper homeowners than Allstate and for me Progressive was best with auto.

Years ago we had Erie but it depends on what state you are in.

And every state is very different with rates and laws as to what they can give as credits etc.

Re: Homeowners Insurance

Shelbelle — Tue, 05 Apr 2022 21:39:53 GMT

I have an agent who shops around for us and gets us the best deal he can, we have one policy for homeowners and auto for a while now with Cincinnatti Insurance, claims have been easy to file. We have 2 houses and 2 cars on there, for a long time it was 3 cars.

Re: Homeowners Insurance

brandiwine — Tue, 05 Apr 2022 21:42:10 GMT

An Indepentant insurance agent can be very helpful at saving you money.

Re: Homeowners Insurance

Kachina624 — Tue, 05 Apr 2022 21:51:31 GMT

I not only consider the rate I pay but also the company's reputation for willingly paying claims. Some are notorious for going to extraordinary lengths to give their policyholders grief even after something like a catastrophic natural disaster. After paying premiums for years, they have to fight for every penny they're owed. Both Allstate and State Farm come to mind. I wouldn't have either.

Re: Homeowners Insurance

teganslaw — Tue, 05 Apr 2022 22:24:53 GMT

Our homeowner's insurance is paid through our mortgage, so I don't have to worry about an extra payment.

We've had State Farm for years and always had good luck with premiums. When our car was damaged, all we had to pay was a deductible, everything else was covered, including rental. Maybe it depends on the area one lives, but State Farm has been great.

Re: Homeowners Insurance

Nataliesgramma — Tue, 05 Apr 2022 22:31:50 GMT

I agree with @Kachina624 on this........

My Mother had Allstate and that's what happened to her.....

Re: Homeowners Insurance

Mz iMac — Wed, 06 Apr 2022 00:03:56 GMT

@BunSnoop Rates are determined by your state/county/city.

I've bundled w/AAA for over 30 yrs w/never an issue. Well, once over an auto premium charge. I filed a complaint w/my State's Ins Commissioner & won!!!

I have renter's insurance bundled w/my auto ins.

==================================

You can file a complaint against your insurance company regarding rates..............................

File a complaint with the state department of insurance, which regulates insurance activity and insurer compliance with state laws and regulations.

Appeal to an executive at the insurance company

Ask a third party such as an ombudsman to mediate your dispute.

Re: Homeowners Insurance

aubnwa01 — Wed, 06 Apr 2022 02:44:21 GMT

I've had my auto & homeowner's insurance with The Hartford/AARP for years now & have never had a problem with them. I don't think they're the cheapest, but I tend not to jump from co. to co. in stuff like insurance. The couple of times I've called other companies to price compare, the other co. can't beat The Hartford's price for similar coverage, so I stopped calling around.

Re: Homeowners Insurance

software — Wed, 06 Apr 2022 10:18:19 GMT

I've had State Farm for everything for many years. I've had a couple of homeowner claims, went smoothly.

The best part is the agent is in town, no 800 numbers to call for claims or information. About once a year I call around for quotes but so far no one can beat my policies.

Paying through your mortgage is still $$$ out of your pocket. Your home is your greatest expense & asset, it pays to not only shop around but to know what coverage you have & how it pays. Compare apples to apples. Unfortunately where I live we are prone to a mean Mother Nature and barely adequate fire protection, even though the fire house is 2 blocks away. My premium is high.

Re: Homeowners Insurance

CelticCrafter — Wed, 06 Apr 2022 13:56:10 GMT

Did you try State Farm.

We saved a lot by switching everything to them.

Re: Homeowners Insurance

nyc1 — Wed, 06 Apr 2022 14:09:43 GMT

@Kachina624 wrote:
I not only consider the rate I pay but also the company's reputation for willingly paying claims. Some are notorious for going to extraordinary lengths to give their policyholders grief even after something like a catastrophic natural disaster. After paying premiums for years, they have to fight for every penny they're owed. Both Allstate and State Farm come to mind. I wouldn't have either.

YOU NAILED IT ... so true. We have Country Company for everything and they have been wonderful. Not sure it's been the cheapest, but they've always come through when we've needed them.

Re: Homeowners Insurance

Kachina624 — Wed, 06 Apr 2022 14:23:31 GMT

How soon we forget the big scandal that ensued after one of the big upper Gulf Coast hurricanes when State Farm wouldn't pay the claims of homeowners. There were newspaper headlines about the situation and the anguish of people who just wanted to repair their homes.

Re: Homeowners Insurance

Lipstickdiva — Wed, 06 Apr 2022 20:37:01 GMT

I have State Farm and we have everything bundled together except our boat. I keep thinking I need to look at prices again but it's a lot of work to get all the information together to price out everything we own that needs to be insured.

If you have an agent that works with numerous carries, he/she can check prices to make sure you are still getting the best deal. My agent is State Farm specific so he's not going to check anywhere else on premiums.

Re: Homeowners Insurance

Boehm Collector — Wed, 06 Apr 2022 21:02:19 GMT

I have New Jersey Manufacturers Insurance Company for both our cars and home. I used to have my home owners insurance with Chubb and my car insurance with The Hanover. My DH had his car insured with Plymouth Rock. But we are saving a tremendous amount of money since we switched to NJM. They are phenomenal. I had to submit a claim under my homeowners insurance in December 2020. I submitted my contractor's estimate in the morning and I was approved within an hour. Check was in the mail the next day. They cover Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.

Re: Homeowners Insurance

Mom2Dogs — Thu, 07 Apr 2022 00:37:35 GMT

Is Auto Owners in your area? We have our home, cars and business all with this company.

Re: Homeowners Insurance

SilleeMee — Thu, 07 Apr 2022 00:46:57 GMT

I have American Family home & auto. Have been with the same company for almost 30 years. Never had any problems but I've only filed a claim just once for hail damage. Just recently I raised my deductible to a ridiculously high amount b/c I simply cannot afford the monthly premiums for what I have been paying in recent months. Now the premiums are more affordable but if I ever need to file a claim I'll be hit with an enormous deductible to pay out of pocket which I am willing to do. As you can see by my post here I am living and enjoying my life today and I'll wait for that bridge when I get there and not worry about that on they way there until I get there. Life is too short.

Re: Homeowners Insurance

DJs mom — Thu, 07 Apr 2022 14:35:40 GMT

I have State Farm auto insurance. My homeonwer's insurance was being paid through my mortgage company but when I purchased a new SUV I had State Farm take a look at my homeowner's policy and it turned out I got a better rate by bundling with them than the company my mortgage chose so now I have State Farm for home and auto. I've only had to file auto claims and I've never had a problem with State Farm. My rental cars were covered and my claims were paid fast.

Re: Homeowners Insurance

SeaMaiden — Thu, 07 Apr 2022 15:44:28 GMT

@Kachina624 wrote:
I not only consider the rate I pay but also the company's reputation for willingly paying claims. Some are notorious for going to extraordinary lengths to give their policyholders grief even after something like a catastrophic natural disaster. After paying premiums for years, they have to fight for every penny they're owed. Both Allstate and State Farm come to mind. I wouldn't have either.

@Kachina624 YES! So many people only think about the dollar amount paid... and not how well the company takes care of you when you do file a claim. We have been with farmers for over 40 years for cars and home. We have NEVER put in a claim in all those years... then about 10 years ago we had a huge wind storm and had damage to our home from it... we called our agent and within a couple of days had a check in our hands for all the repair. It was fast and they really followed through. That made me know I would stay with them.

Re: Homeowners Insurance

ALRATIBA — Thu, 07 Apr 2022 15:53:19 GMT

It's been years since I owned a car and a house - but we had both insured with Allstate.