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Message
re: Why certain insurance companies?
Posted on 6/14/12 at 9:13 am to DandyPimp
Posted on 6/14/12 at 9:13 am to DandyPimp
quote:
My policy went into effect in late April. Their inspector was out then (at least he put a doortag out). Have not heard anything. Am I in the clear? House is over 100 years old. I'm sure they could nitpick if they wanted.
I can't squeeze 5 year old houses past Occidental's underwriting.
If it has been since April you should be in the clear, but I am surprised they couldn't find something to cancel you for. They are hardcore with their inspection (any trees near the home, shrubs touching the home, mildew on exterior, cracks in driveway/sidewalk, any missing/rotted fascia or soffits, any peeling paint, roof not in great condition, clutter, debris, garage or shed not in great shape, etc).
You should be in good shape though since it has been that long. I have a feeling that certain inspectors are more thorough than others.
0
Posted on 6/14/12 at 9:15 am to H2O Engineer
quote:
I'm with nationwide now because state farm dropped me after my reckless driving and it was the cheapest quote I could find. Plan on getting back with state farm in 3 months after the charge is expunged.
Anyone have any opinions on nationwide?
You must not be in Louisiana. Last I checked they weren't writing here. They are a solid company though.
Why would you go back to State Farm after they dropped you?
Posted on 6/14/12 at 10:26 am to reb13
quote:
Usaa, because they're unbeatable.
ive had USAA auto insurance for about 10 years. Seeing these threads, i got an online quote yesterday from Progressive, and it was about $1800/year cheaper.. so im probably switching.
USAA has been great. I've had (what i thought was) a low rate and never any significant increases. They've been great in a couple of accidents my wife has had also.
I'll probably switch to Progressive this week, and reevaluate in 6 months when the home im building is ready, to bundle somewhere.
Posted on 6/14/12 at 10:28 am to Xenophon
quote:
'll probably switch to Progressive this week, and reevaluate in 6 months when the home im building is ready, to bundle somewhere.
Progressive can bundle you with ASI. The discounts aren't as big, but their rates are generally cheaper overall.
Posted on 6/14/12 at 10:35 am to Slickback
what is ASI?
Posted on 6/14/12 at 10:46 am to Xenophon
American Strategic Insurance
A- Rated, national company
A- Rated, national company
Posted on 6/14/12 at 1:03 pm to Xenophon
quote:
ive had USAA auto insurance for about 10 years. Seeing these threads, i got an online quote yesterday from Progressive, and it was about $1800/year cheaper.. so im probably switching.
That is a good amount, and you should definitely call them and talk to them about your rate. But I would pay a premium, to a certain extent obviously, for their customer service.
Posted on 6/14/12 at 3:52 pm to Chad504boy
quote:
Americas
you still write with them?
They were AM Best Rated. They pulled the rating because they dropped to a C- i believe.
Posted on 6/14/12 at 3:57 pm to Slickback
quote:You're in jail?
BTW, Got anyone that will insure a metal building with living quarters as a primary residence in St. Tammany?
Posted on 6/15/12 at 9:17 am to kennypowers816
I have State Farm for auto, renter's and my engagement ring insurance.
I'm pretty loyal to them because my parents' house was damaged pretty badly from Hurricane Rita and they were fantastic. They were timely in sending an adjuster and they didn't balk about paying for a rent home, whatever contractor my dad chose to use or anything.
I quoted Geico when I moved out of Louisiana just to be sure, but SF was only $50 more per six months, so it seemed worth the little bit extra for peace of mind.
I'm pretty loyal to them because my parents' house was damaged pretty badly from Hurricane Rita and they were fantastic. They were timely in sending an adjuster and they didn't balk about paying for a rent home, whatever contractor my dad chose to use or anything.
I quoted Geico when I moved out of Louisiana just to be sure, but SF was only $50 more per six months, so it seemed worth the little bit extra for peace of mind.
Posted on 6/15/12 at 9:24 am to DandyPimp
quote:
Occidental came in at $3000
Didn't Occidental have a pretty sizable rate increase this year?
Posted on 6/15/12 at 9:34 am to reb13
quote:
Usaa, because they're unbeatable.
I am eligible for USAA but have nothing with them. Why...because my current company beat them.
Posted on 6/15/12 at 12:09 pm to Chad504boy
quote:
Didn't EVERYBODY have a pretty sizable rate increase this year?
Posted on 6/15/12 at 12:30 pm to Slickback
quote:
Didn't EVERYBODY have a pretty sizable rate increase this year?
just trying to give your occidental boy a heads up come renewal.
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