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Message
Best Home Owners Insurance
Posted on 10/11/21 at 2:59 pm
Posted on 10/11/21 at 2:59 pm
I have heard to stay away for State Farm and Allstate but which companies are good?
30
Posted on 10/11/21 at 3:00 pm to thadcastle
Probably depends on your area...
But USAA for sure... In our area Alfa and Cincinnati financial
But USAA for sure... In our area Alfa and Cincinnati financial
Posted on 10/11/21 at 3:00 pm to thadcastle
quote:
but which companies are good?
There aren't any
Posted on 10/11/21 at 3:04 pm to thadcastle
personally i have farm bureau and i love it
Posted on 10/11/21 at 3:11 pm to thadcastle
Heard good things about Shelter after Laura and Delta.
Posted on 10/11/21 at 3:27 pm to thadcastle
You may not be eligible to get it, but USAA has been great.
Posted on 10/11/21 at 3:32 pm to thadcastle
Go to an insurance broker and let them shop from multiple insurance companies and find the lowest price for you.
Posted on 10/11/21 at 3:34 pm to thadcastle
USSA it’s not even close
Posted on 10/11/21 at 3:43 pm to thadcastle
I have Hanover and they’ve been great. About 8 years ago, my house was struck by lightning. I filed a claim and less than a week later the adjuster had been out, submitted his report and the claim had been approved. Have had the same response with my roof. I have them for auto as well. I had a crappy adjuster after a fender bender but I pulled a Karen and two days later the check was fed/ex’d to me. Been with them for 10 years.
Posted on 10/11/21 at 4:07 pm to thadcastle
I got 3 quotes for $2200 + from State Farm, USAA, and Allstate.
I called SageSure and they came in at $1500. Less coverage but it still covers the basics and its actually better deductibles than State Farm.
I called SageSure and they came in at $1500. Less coverage but it still covers the basics and its actually better deductibles than State Farm.
Posted on 10/11/21 at 4:10 pm to thadcastle
I can't complain about Allstate, I must have had their best adjuster. From claim to payment for a new roof, I only waited 3 weeks maybe. The new roof goes on this week.
Posted on 10/11/21 at 4:11 pm to thadcastle
check out goosehead insurance. they're independent and shop over 30 carriers to find cheapest options. Find an agent in your area at goosehead.com
Posted on 10/11/21 at 4:49 pm to thadcastle
This post was edited on 12/18/21 at 10:22 pm
Posted on 10/11/21 at 6:09 pm to thadcastle
I live in North Ms. and we have had Safeco for home and auto for several years now. I shopped around with the bigger companies and other locals about 3 months ago and no one could come close to matching my coverage and what I was paying. I don't qualify for USAA but have always heard great things from friends that have them.
Posted on 10/11/21 at 6:17 pm to thadcastle
Lemonade
Posted on 10/11/21 at 6:39 pm to thadcastle
I've had State Farm for over 20 years. Never had a problem with a claim.
Posted on 10/11/21 at 7:33 pm to thadcastle
There are no “good” insurance companies.
Posted on 10/11/21 at 7:42 pm to thadcastle
fricking Progressive raised my rates without notifying me, then sent us a cancellation notice 6 months later. I was livid. They swore they sent numerous emails about it, but I searched and there was absolutely no notice of the increase.
Posted on 10/11/21 at 8:05 pm to thadcastle
Most nationally recognized companies have good policies, but you also get what you pay for in coverage options. For homes, you want replacement cost settlement on contents and roof, but you’ll pay more because it’s above the standard coverage. Best thing you can do is shop around, get the agents to show you what is different about the quotes, and check out state resources about claims and complaints (like the TX Dept of Insurance or TX Office of Public Insurance Counsel, not sure about LA). You’re interviewing them as much as they’re selling to you.
Agents can help to figure out what you might want or need, but the price is set by the system. There are only so many ways they can tease out a lower price, so ask about discounts for jobs, education, associations, etc. Get an itemized quote and send them around. A good agent will cover the things you care about, take the time to help you understand, respond quickly when you call, help facilitate with underwriting, be honest about prices and increases, and advocate for you during claims.
I briefly owned an agency. Went back to O&G. You get what you pay for, for the most part.
Agents can help to figure out what you might want or need, but the price is set by the system. There are only so many ways they can tease out a lower price, so ask about discounts for jobs, education, associations, etc. Get an itemized quote and send them around. A good agent will cover the things you care about, take the time to help you understand, respond quickly when you call, help facilitate with underwriting, be honest about prices and increases, and advocate for you during claims.
I briefly owned an agency. Went back to O&G. You get what you pay for, for the most part.
Posted on 10/11/21 at 8:11 pm to thadcastle
are the ones that pay you when you have a claim!! The adjuster who comes out has a big deal to do with whether that happens or not.
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