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re: Best Home Owners Insurance
Posted on 10/11/21 at 4:33 pm to andouille
Posted on 10/11/21 at 4:33 pm to andouille
I had ASI, got through a broker they were much cheaper than USAA…progressive bought them out, still only have 1000$ deductible. Got new roof and fence from Laura, paid out plus I got a few thousand back for depreciation costs
1
Posted on 10/11/21 at 4:46 pm to hawgndodge
Basics = what my house is worth, appox cost of my contents, and reasonable medical payments. Yes, the basics.
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 4:49 pm to DaBeerz
ASI is the shite!
Posted on 10/11/21 at 5:49 pm to DiamondDog
quote:
I have State Farm and just made my first claim. Let me get back to you.
Prayers sent. I have only heard horror stories.
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 7:29 pm to jfw3535
quote:Lowest price AND best coverage. Usually have better options than captive agencies (State Farm, AllState, Farm Bureau, etc.).
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 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 7:43 pm to jacksajester
quote:
There are no “good” insurance companies.
Some are worse than others, though. *cough*Allstate
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.
Posted on 10/11/21 at 8:20 pm to lowhound
quote:Only bad thing I've ever heard bad about USAA is....
You may not be eligible to get it, but USAA has been great.
You are going to pay out the arse for the premiums.
Posted on 10/11/21 at 8:29 pm to jfw3535
quote:
Go to an insurance broker and let them shop from multiple insurance companies and find the lowest price for you.
Horrendous advice!!
Bad Ones: Snake farm, Allstate
Really bad ones: Geovera (they sue their own insureds), Lighthouse, and UPC
Ok ones: Lloyd’s, USAA, Occidental, Access Home
There are no “best” ones.
Posted on 10/11/21 at 8:33 pm to Joehat
quote:
Lloyds
Surplus lines policy. Not even in the same ball park as above.
Call and independent agent in your area.
Posted on 10/11/21 at 8:52 pm to SB9513
quote:
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.
Its a total racket and cruel game. We had windstorm damage in march and as a result had 3 leaking spots in roof. Filed claim. Dealt with two separate remote adjusters and 3 different inspectors as they kept claiming installation issue from 2006! My question was if install issue why suddenly 3 leaks we didnt have before?!
Agent tells me to take my business elsewhere to see if they would pay claim. Wth?? I rejected both claims and went appraisal route. Took forever but finally got my claim paid last week. New roof going up Weds this week 7 months after I filed!! I cant get away from allsnake fast enough.
Posted on 10/11/21 at 9:41 pm to Joehat
quote:
Bad Ones: Snake farm, Allstate Really bad ones: Geovera (they sue their own insureds), Lighthouse, and UPC Ok ones: Lloyd’s, USAA, Occidental, Access Home
Really strange take.
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