Allstate home and auto vs State Farm

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Do they pay their claims okay?

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Nope. That’s why I left them. They pay celebrities for commercials not claims.

I’ve been told that they don’t go to appraisal easily, where Allstate does often.

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State Farm

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Stay away

As a lawyer that sues all of them, Allstate is by far the worst, and will be the first to leave their insureds holding the bag.

i've told this story before. I was with state farm since 1980 when i bought my first house. The house had been insured with them for 2 years before i bought it. Over the years, i had 3 houses insured with them most of time, then it was down to two in about 2020.

I got notice in 2023 that they were cancelling both policies for excessive claims. Total claims over the life of the policies was about $7,000, and the last claim was from Gustav in 2008. Then i got a 2nd notice that it was due to old roofs. Finally, they send a 3rd notice that it was due to trees on the property. One house in Capital Heights and one in Old Goodwood. Of course there are trees, but there were trees since i bought the first one.

Even the agent said it was bullshite. Allstate has been a dream to work with, but I have filed no claims.

Here is my SF story. I was in wreck when I was 18, not living at home and was crossing a road on the downside of a hill, dude was speeding came over and T-Boned me. Ok, cops did not claim fault, as they normally do. Dude sued me for a lot, I had max insurance for some reason and he wanted it all. He went to a lawyer, who sent him to doc who sent him surgeon and then they claimed he was hurt for life etc etc. SF said, no...we are fighting this one, the trifecta was known to them and they drew the line in my case. I later join the military, they tried everything to get to me....its easy btw in the military to serve people, but for some reason they never did serve me. They tried to take my parents to court, I was paying and the judge laughed them out as I was not even living at home.

Fast forward to 5 years down the road, they serve me like in a movie and SF still stuck by me. They fought that dude for like 8 years and end up settling for what he would have gotten if he had not done the deal with the trifecta....I never saw a premium go up from this.

Fast forward 20 years, my wife had a minor fender bender and her insurance, progressive doubled her premiums. She moved to my SF plan and we both saw our premiums go down. This was only a year and half ago.

Maybe they don't pay out quickly...IDK, they paid me for my wreck back in the 1990s. I've been with them since. That's my pitch for SF. Like all insurance it's you pay and pay and hope they stand by you when you need them. For me, they have

I had a healthy tree crack a limb and fall on my roof. VERY minimal damage (only like 5 shingles needed replacement) but it was like half a pecan tree and the back half of my house was covered and it was hurricane season. I called my insurance first and they said removal was covered. Got tree company to come out asap and remove.

Long story short State Farm denied my claim. Had my lawyer write a letter. Then they paid.

Insurance companies are all slime but just different colors.

Side note on homeowner's insurance. Let's say your house is insured for $300k. They will have in that policy replacement value up to 50% of the policy or $150K for your personal possessions. But you have to be able to prove it. They will only offer you about 10% of the policy value for living expenses if the house is uninhabitable. In my situation, I could go out today and replace everything, clothes, appliances, electronics and I might spend $75k max. I was able to get Allstate to lower the replacement value for personal belongings to 30% and raise the living expenses to 30% from 10% over 2 years.

Assume there was a tornado or hurricane and your house is gone. You are in the middle of widespread destruction. It will take more than a year t rebuild plus everyone will be looking for alternate living quarters. Just a thought.

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Old Goodwood

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Ive had State Farm for 30 years.3 claims (including a new roof) and they paid all 3.