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Sigma
Michigan State Fan
Fairhope, AL
Member since Dec 2005
2815 posts

Homeowner's Insurance recommendation
Well Allstate, bless them, has increased my yearly premium by about 90% in the name of increased coverage, general rate hike, and so called "claim clause" (I had two claims in 2011, that's it).

So I'm shopping around. I would like to bundle auto as well for the discount.

Anybody happy enough with their insurance company to recommend? Any I should stay away from?


wegotdatwood
Member since Aug 2009
17094 posts

re: Homeowner's Insurance recommendation
I've like USAA, but I've never had a claim.


fishfighter
LSU Fan
Baton Rouge
Member since Apr 2008
25453 posts

re: Homeowner's Insurance recommendation
State Farm has been good to me. Only 1 claim in 30 years. I still find what I pay is a bit high though. I did the shopping around bit and nobody could beat them.


LSU1018
LSU Fan
Baton Rouge
Member since Feb 2007
6324 posts

re: Homeowner's Insurance recommendation
AMICA is rated really high as far as claims and customer service. If you looking for cheapest, imperial is probably the cheapest. Call an insurance agent and they will quote out a bunch of companies. Also get a quote from liberty mutual. Make sure to quote car insurance at the same time.


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MNCscripper
USA Fan
Alligator Bayou
Member since Jan 2004
7892 posts

re: Homeowner's Insurance recommendation
quote:

State Farm


I shopped and they were way high. I have all my other policies with them as well.

Went with Liberty Mutual


yellowfin
Chicago Cubs Fan
Coastal Bar
Member since May 2006
84528 posts
 Online 

re: Homeowner's Insurance recommendation
I have tons of discounts with state farm cause my agent hooks me up, I'm 33 and think I still get a discount on car insurance for being on honor roll.


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Will Cover
Washington Fan
Olympia, WA
Member since Mar 2007
29310 posts

re: Homeowner's Insurance recommendation
USAA and Amica are considered two of the best companies for homeowner's insurance.


Sigma
Michigan State Fan
Fairhope, AL
Member since Dec 2005
2815 posts

re: Homeowner's Insurance recommendation
quote:

USAA and Amica are considered two of the best companies for homeowner's insurance.



I'm running into problems because I've had 3 claims in the last 5 years, all of which happen to be "acts of God". I talked to Zander and they found ASI who didn't mind these particular claims, but ultimately declined me because I have masonite siding on a portion of the house.


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rsande2
LSU Fan
Member since Jan 2006
3423 posts

re: Homeowner's Insurance recommendation
quote:

Homeowner's Insurance recommendation


The two lowest every time I check are Imperial Fire and casualty and Liberty Mutual. Haven't had a claim so no experience there.


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