I hate insurance!

[brutal]

AmFam pulled that on me , and I changed it to Progressive for auto.
If AmFam does that to my home, I will change it to Amica or something else.

I turned from Amfam to Progressive for auto/rv/boat insurance 8 years ago when AmFam tried to nail me hard on an auto increase due to a single citation reduced to "defective headlight."

To this day, nobody can touch my AmFam homeowner policy. I check every 6 months. Nobody. It rises minimally each year, and I expect that. As the age of both my vehicles and myself increase, my Progressive policy continues to decline. Inverse to the cost of medical insurance. Thankfully, my wife is well beyond child bearing age or ability so that probably saves us some.

However, with regard to homeowners insurance costs, I have only filed one claim in the past 20 years, and that was a small payout for them due to the roof's age and limited fence damage that occurred due to high winds.

[BushMasterBoy]

USAA was 100 bucks more on the cars and $800 less on the house. I think they only insure military and ex military. Allstate agent was a total ass to me, GMAC was better rate, but not as good as USAA. USAA had a better deductible after GMAC went to raise deductible to $5k on the roof (hail). Get quotes from everybody you can...

[Irving]

I don't have anything to do with this part of insurance. Dave and Ronin pretty much nailed it though.

[sniper7]

My dads home insurance just went from $1000 a year to $3100....fire chief changed them from a level 4 to level 10. Swapped over and got it down to I think 2300. Still blows big time

[Firehaus]

We've represented Travelers for over 60 years and they've been pretty stellar...

Only time in 6 years I had them, I had a roof claim on my building. Even though they checked it 6 months earlier and said it was good to go, roof failed, and them I get a report that it was denied for not having maintenance and hail damage was over 20 years old even though 6 months prior the other adjuster didn't find any damage. Googled travelers and roof claims to find out I'm not alone in the screwing.

[Ronin13]

Only time in 6 years I had them, I had a roof claim on my building. Even though they checked it 6 months earlier and said it was good to go, roof failed, and them I get a report that it was denied for not having maintenance and hail damage was over 20 years old even though 6 months prior the other adjuster didn't find any damage. Googled travelers and roof claims to find out I'm not alone in the screwing.

I've heard this so many times, but never from one of our customers... By "they" who do you mean? Did you have a roofer come out and look at it? You are aware of two key things here- 1) you can appeal a claim denial, and 2) most insurance companies are pretty reluctant to pay out in a claim if it's not an obvious total loss.

[Firehaus]

"They" was a traveler's representative. And yes, I disputed it. Only option left was to sue them for denying the roof claim.

[hghclsswhitetrsh]

Insurance is great!

Until you need to use it...

[spqrzilla]

I bought a house last year, and got a decent house inspector to look it over. He found two layers of roof - not great but acceptable. He spent four hours in the house.
I've looked over the roof repeatedly as I know that there are flashing issues I've got to address this summer.

Last fall, my insurance company sent some twit out to "inspect" the house. She was there five minutes, and claims 3 layers of roof. 'Cause she's a moron evidently. Insurance company sends me a letter last fall that says tell us when you "repair" that the roof has three layers. I sent them a copy of the house inspection that says two layers.

Last week, they send us a letter that says they are not renewing the insurance on the house at the end of the policy, which is the 25th. Because I've not "repaired" something that does not exist.

[kwando]

So its down to AllState with Dave_L or Liberty Mutual... I like the peace of mind of having an agent that i've known for a while that i can call if problems arise. AllState is $300 more but having someone in an office that i can drive to and complain is worth it.

Has anyone had experience with Liberty Mutual?