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Frangas non Flectes |
We're shopping. We had it through Geico at our last house. No opinion one way or another, but I've been tasked with figuring out who to go with one this one. Wife really wants me to get together with an insurance broker and I'm not necessarily opposed, but I wanted to look around and learn what I can first. State Farm is pretty highly rated from what I'm seeing, and some online picker thing recommended Farmer's for my zip code. Other than that, I want to be able to cover some of the bigger ticket items and a discount for home security and camera systems would be nice. Who do you use? ______________________________________________ “There are plenty of good reasons for fighting, but no good reason ever to hate without reservation, to imagine that God Almighty Himself hates with you, too.” | ||
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| Savor the limelight |
Self insured. | |||
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| Thank you Very little  |
We had a big hail storm hit our area, every house had damage, the only two that didn't get approved had State Farm, one for over 20 years. He had to sue State Farm, they lost, cost them the roof bill $20K and his legal fees $25K and their legal costs. Shop it, and get a couple of good independent agents to do it, not all agencies are licenses with the same carriers. | |||
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| Member |
We use a Broker to shop for home and auto insurance . Every year when it comes time to renew my wife calls him and has him look around . | |||
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| Run Silent Run Deep  |
Erie _____________________________ Pledge allegiance or pack your bag! The problem with Socialism is that eventually you run out of other people's money. - Margaret Thatcher Spread my work ethic, not my wealth | |||
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Member |
Go through a broker and let them find you the best deal. First time I did this, I save about 40% on my insurance and nearly doubled my coverage for Home, Auto, and Umbrella. Never be loyal to an insurance provider and look for new insurance at least every two years. ---------- “Nobody can ever take your integrity away from you. Only you can give up your integrity.” H. Norman Schwarzkopf | |||
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Drill Here, Drill Now |
We're actually pretty lucky in Texas since the Texas Dept of Insurance has standarized insurance policies (HO-A, HO-B, HO-C, etc) so it's really easy to comparison shop. [Ron White] "Hey premium boy (they like it when you call them premium boy) [/Ron White], give me a quote for HO-B with water leakage/seepage adder." Change 'em every few years, and currently using State Farm. I only get quotes from insurers who get rated well by Consumer Report and/or AM Best. When I moved to Houston the 1st time I tried the insurance broker at the real estate agent's office. Miniscule savings and their AM Best credit rating was so poor that if a big hurricane hit they were more likely to file bankruptcy than pay claims. For a modest amount more I got an insurance policy from an insurer with AM Best's highest tier credit rating. The only well rated company I won't use in Houston is Allstate. My buddy's home had grown in value, but he failed to raise the homeowner's policy to match. His home was worth 25% more than his homeowner's policy when Hurricane Ike sent a 100' tree through his house and made it a tear down. Allstate fought him tooth and nail and only paid out 90% of the policy limit. Should've been a slam dunk getting 100% of policy limit for damages at 125% of the policy limit. Word of mouth advertising goes both ways and squarely put Allstate in my "fuck 'em" category. Ego is the anesthesia that deadens the pain of stupidity DISCLAIMER: These are the author's own personal views and do not represent the views of the author's employer. | |||
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אַרְיֵה |
Not clear, who was the "they" that lost? Your neighbor, or State Farm? הרחפת שלי מלאה בצלופחים | |||
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| Frangas non Flectes |
Got off the phone with a broker at one of the best rated local agencies, he's going to have some quotes for me Monday. I'll have a few other brokers lined up to call for Monday morning.
Stuff like this is why I ask. I can go to a broker and get whatever they tell me the best deal is, but things like this knock State Farm and Allstate off the list for me. We had a hail storm in El Paso in '96 I think it was, the autobody and roofing businesses boomed. Hailstones the size of baseballs came down and covered the yard and the roof. If I go through something like that here, I don't want to be the only guy on the block whose carrier tells him "oh well." I know it's their job to pay you as little as possible, but still. ______________________________________________ “There are plenty of good reasons for fighting, but no good reason ever to hate without reservation, to imagine that God Almighty Himself hates with you, too.” | |||
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| אַרְיֵה |
I use an independent agent who shops the market for me every year. She also tells me to check with a couple highly rated companies that sell direct (not through agents); she recommended that I check Amica, for one. This current year I wound up going with KIN, recommended by a friend who is a Home Inspector and uses them (KIN) for his own home. Direct dealing, online, policy tailored per my request, surprisingly painless transaction. הרחפת שלי מלאה בצלופחים | |||
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| Frangas non Flectes |
See, and I had never heard of them before I started looking at everything this afternoon. They're the top rated on the US News & World Report 2023 rankings. ______________________________________________ “There are plenty of good reasons for fighting, but no good reason ever to hate without reservation, to imagine that God Almighty Himself hates with you, too.” | |||
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always with a hat or sunscreen |
I absolutely do NOT recommend USAA. I was with them for 47 years. They are not anything like what they were years and years ago. Claims are a nightmare to put it mildly. Did a lot of researching locally and found for my area American Family was the most outstanding. Many of my neighbors also have them and claims have been quick and easy. Certifiable member of the gun toting, septuagenarian, bucket list workin', crazed retiree, bald is beautiful club! USN (RET), COTEP #192 | |||
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| Member |
If you can stand the price and they are available where you live I recommend Chubb as the best from the point of view of supporting you. “So in war, the way is to avoid what is strong, and strike at what is weak.” | |||
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Assault Accountant |
I’ve been contracting with Amica for auto, homeowners and umbrella policies for over 20 years. They’ve settled any claims I’ve had quickly and theirs representatives have always been helpful and interacted with me professionally. I had the exact opposite experience with State Farm our previous insurers. __________________ Member NRA Member NYSRPA | |||
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Fighting the good fight |
Some people hate on State Farm but that's who I use. They're consistently the lowest cost out of the larger carriers for the level of coverage I want. All of my claims have always been handled promptly and efficiently, including both vehicle and homeowners. (Yep, even a hail claim on a roof, which quite honestly was pretty marginal but they surprisingly approved anyway.) The local rep who handles my account is fantastic. And being a large company, both their website and app are well-designed and packed with functionality. You can find anecdotes from every insurance carrier in which someone felt they were screwed over, or had some gripe with how something was handled. If you eliminate every insurance carrier that anyone has ever complained about, you won't have anyone left from which to purchase insurance. | |||
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| Peace through superior firepower  |
Please avoid using this ghetto expression in this forum. Never, ever do I want to see this silly, language-destroying expression on these pages. It originated with ignorant people and that's where it needs to remain. Also- "be like" should never appear in this forum. Never | |||
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| Fighting the good fight |
Understood. However, I'm counting at least a couple dozen other instances where this phrase was used on this forum, including as far back as 2017 and as recently as a few days ago. Is there a reason why you chose to call me out specifically? Or was that simply the straw that broke the grammatical camel's back? | |||
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| Frangas non Flectes |
Possibly, but I'm asking anyways. I suspect that in the end, I will find an option I'm happy with, until such time as I'm possibly not.  ______________________________________________ “There are plenty of good reasons for fighting, but no good reason ever to hate without reservation, to imagine that God Almighty Himself hates with you, too.” | |||
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Shall Not Be Infringed |
Amica - No Brokers, No Agents, NO Middleman...Just Insurance! I've had Amica for Home and Auto for over 15 years. They're direct to the consumer so No Agents, and therefore NO middleman to potentially drive up the cost. I've always received excellent customer service, whether I was adding/changing coverage or filing/processing a claim. I recommend them highly and suggest getting a quote...  I posted the following in a thread on a similar subject back in November 2022:
https://sigforum.com/eve/forum...800043694#8800043694 ____________________________________________________________ If Some is Good, and More is Better.....then Too Much, is Just Enough !! Trump 2024....Make America Great Again! "May Almighty God bless the United States of America" - parabellum 7/26/20 Live Free or Die! | |||
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Member |
We had Western Mutual [IIRC] on our last 2 houses. First was a starter house. 2nd we got dropped on our close date, as they no longer covered solar panels. Current house, we have Hippo. Only 1 year in, an lucky to have never needed to file a claim in 12 years of home ownership. The Enemy's gate is down. | |||
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