Posted by
Message
Bow dude72
LSU Fan
Member since Mar 2017
1437 posts

Home insurance recommendations?
Any to stay away from?


NATidefan
Alabama Fan
Two hours North of Birmingham
Member since Dec 2008
30008 posts

re: Home insurance recommendations?
I went with nationwide. They gave me the best quote with equal coverage to others.

I had several people tell me they arent a hassle with claims either.
This post was edited on 2/14 at 9:24 am


NYCAuburn
Auburn Fan
TD Platinum Membership/SECr Sheriff
Member since Feb 2011
52791 posts

re: Home insurance recommendations?
I wont give any recs, but things to look for are how the initially settle different types of losses(Theft, total loss, wind, hurricane, etc), the max contents coverage, what losses are covered and not, and most of all individual category limits on things(guns, jewelry, data equipment, etc...)

Basically look at all the exclusions and limits. thats all most adjusters pay attention too
This post was edited on 2/14 at 9:44 am


Replies (0)
Replies (0)
00
NYCAuburn
Auburn Fan
TD Platinum Membership/SECr Sheriff
Member since Feb 2011
52791 posts

re: Home insurance recommendations?
quote:

I had several people tell me they arent a hassle with claims either.

I work contents claims and Nationwide is a customer of mine. I dont handle them nationwide on normal claims, but do their unusual items from all over. Their field adjusters are overworked and their offices adjuster seem to not be able to make a definitive decision on anything.

the large carriers such as nationwide do seem to be a little more harsh on items, whereas the smaller companies just seem to want to retain a customer and give them a little leeway.


Replies (0)
Replies (0)
00
TDsngumbo
LSU Fan
Member since Oct 2011
21558 posts

re: Home insurance recommendations?
Are you in Louisiana? If so, stick to the big companies like Farm Bureau, State Farm, USAA if you can. Those three have the fantastic reputations that they have for a reason. In fact, anyone who tells you they were fricked by one of those companies at claim time either:

a) has an incorrect opinion of how insurance is supposed to work
b) had a shitty agent that didn't fight for them


You can get great claim service at some of the smaller companies also but only if the claim is a large & undeniable claim such as a total or near total loss. It's hard for companies to fight you on those types of losses. Smaller claims such as burst pipes or hail damage and the smaller companies will nickle and dime your arse in a heartbeat.


NYCAuburn
Auburn Fan
TD Platinum Membership/SECr Sheriff
Member since Feb 2011
52791 posts

re: Home insurance recommendations?
quote:

In fact, anyone who tells you they were fricked by one of those companies at claim time either:



Most of the time they simply dont understand the policy they signed/purchased

quote:

b) had a shitty agent that didn't fight for them
I dont think I have every had an agent sway a claim except for them acknowledging that they sold the wrong policy(ACV, not RCV. Didnt change their special limits or add scheduled items, etc...)

quote:

You can get great claim service at some of the smaller companies also but only if the claim is a large & undeniable claim such as a total or near total loss. It's hard for companies to fight you on those types of losses. Smaller claims such as burst pipes or hail damage and the smaller companies will nickle and dime your arse in a heartbeat.


it is kind of funny I have found the opposite. everyone has a different experience
This post was edited on 2/14 at 9:43 am


Bow dude72
LSU Fan
Member since Mar 2017
1437 posts

re: Home insurance recommendations?
I am in Louisiana


Replies (0)
Replies (0)
00
PillageUrVillage
LSU Fan
Mordor
Member since Mar 2011
10087 posts
 Online 

re: Home insurance recommendations?
quote:

Farm Bureau


Who I have and am completely satisfied with them. Any time I've had to make a claim for anything, they come through without hassle.


TDsngumbo
LSU Fan
Member since Oct 2011
21558 posts

re: Home insurance recommendations?
quote:

Most of the time they simply dont understand the policy they signed/purchased


Correct
quote:

I dont think I have every had an agent sway a claim

I had a hail claim once. The company sent an independent adjuster out to inspect the holes in my shingles and he said I had $100 worth of damage, which was 100% bull shite. I had actual holes in the shingles. I called my agent and sent him pictures of my shingles. He compared my pics to the estimate and he agreed that it was bull shite. He made one call to the claims office and had that particular adjuster removed from my claim and another one assigned to it. The new adjuster came out a few days later and he was on my roof for five minutes, came down, and wrote me a check on the spot for $10,000. Total roof loss.


TDsngumbo
LSU Fan
Member since Oct 2011
21558 posts

re: Home insurance recommendations?
quote:

quote:
Farm Bureau


Who I have and am completely satisfied with them. Any time I've had to make a claim for anything, they come through without hassle.



Yep, they're one of the Big 3, as I like to call State Farm, Farm Bureau, and USAA.


Replies (0)
Replies (0)
12
TD SponsorTD Fan
USA
Member since 2001
Thank you for supporting our sponsors
Advertisement
NYCAuburn
Auburn Fan
TD Platinum Membership/SECr Sheriff
Member since Feb 2011
52791 posts

re: Home insurance recommendations?
quote:

The company sent an independent adjuster


Yeah they can suck sometimes, based on their company and how they marketed their services to the carrier. Or just simply because they hired some noob out of college and gave no real training or shadowing


Matt225
LSU Fan
St. George
Member since Dec 2019
82 posts

re: Home insurance recommendations?
Amica and USAA

I had Amica. Only claim in 15 years was a breeze.

Saved a few pennies by putting current house with USAA.
Tree limb thru bedroom within 6 months.... no problems.
I did not find the rates more then $150 between these and other companies for comparable plans.

Rating

LINK

edit for your google fun
This post was edited on 2/14 at 3:18 pm


Replies (0)
Replies (0)
02
anewguy
Ole Miss Fan
BR
Member since Mar 2017
845 posts

re: Home insurance recommendations?
Depends what your looking for. Lots of different variables in companies. Most policies start on the basic HO-3 form, then they add/subtract coverages from there.

ETA: Make sure you have water backup. This is one of the most common claims on a home besides hail damage. Also look at their roof payment schedules as I have started to see some weird payment schedules deepening on age of roof.
This post was edited on 2/14 at 11:55 am


fishfighter
LSU Fan
Baton Rouge
Member since Apr 2008
35399 posts

re: Home insurance recommendations?
Been with SF close to 40 years on three different houses. In that time, I had made three claims. All 3 were high dollar amount. Very good about the claims. I been shopping around the last 10 years and nobody could come close to their rates. Reason, been with them so long.


wickowick
LSU Fan
Head of Island
Member since Dec 2006
40989 posts

re: Home insurance recommendations?
quote:

I had actual holes in the shingles.


Unless the hail was huge, that wasn’t hail.


Replies (0)
Replies (0)
20
Tigre85
Houston Astros Fan
Louisiana
Member since Feb 2019
703 posts

re: Home insurance recommendations?
I have been happy with state farm .


Bayou
LSU Fan
Arizona Desert
Member since Feb 2005
31292 posts

re: Home insurance recommendations?


Replies (0)
Replies (0)
02
Twenty 49
LSU Fan
Shreveport
Member since Jun 2014
12426 posts

re: Home insurance recommendations?
Your premium may be significantly cheaper if you also insure your car with the same insurer. Multi-line discount. For example, State Farm was a good bit higher than Shelter for my homeowners, but State Farm was way cheaper after it discounted the premium due to me having my cars with them.

Ask about sewer backup coverage. Many policies don't include it unless you get an inexpensive endorsement. If shite water backs up from the city's pipes into your shower drains and ruins your floors, you'll be wanting that. My neighbors found out the hard way that they did not have it.

Get a policy that provides replacement cost instead of actual cash value. When my worn out 20 year old old roof got hail damage, my replacement value coverage paid 100% for a new roof. With actual cash value, they would depreciate it based on age and hand me $10, if that.

HO5 is the Cadillac policy with replacement cost coverage. HO3 is more basic and won't cover as many perils to your contents and other property, and it is probably actual cash value.


Replies (0)
Replies (0)
13
anewguy
Ole Miss Fan
BR
Member since Mar 2017
845 posts

re: Home insurance recommendations?
I just beat the dog shite out of state farm with higher limits and lower deductibles.


Replies (0)
Replies (0)
00
BoogaBear
LSU Fan
Member since Jul 2013
3068 posts

re: Home insurance recommendations?
Going through a claim with Allstate right now and they are horrible.

Tornado hit my rental house and they are saying everything was preexisting damage, they can just nail it back up.


Replies (0)
Replies (0)
00
first pageprev pagePage 1 of 1next pagelast page
refresh

Back to top

logoFollow TigerDroppings for LSU Football News
Follow us on Twitter, Facebook and Instagram to get the latest updates on LSU Football and Recruiting.

FacebookTwitterInstagram