Does anybody have a Home Owners Insurance Company that they have used and is happy with?
July 17, 2010 - 4:37 am
I am searching for a new policy because my insurance company is useless when I have needed them most.
I live in Las Vegas, NV. The current company Virginia Surety Company, Inc. that I have really sucks. It came with the house when we bought it. I am a new home owner and have no clue about what insurance company to go with. All I know is that this company has not been there when I have needed them. Just want to know who has been happy with their Homw Owners policy when they have needed it?
I’ve been with Erie for years. Their prices are decent, and their claim service it top notch.
July 17th, 2010 at 10:10 am
They are all the same you pay up the a——s and wen you need them they are never there for you
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July 17th, 2010 at 10:29 am
If you are unhappy with your insurance company because they are "useless when you need them most" then perhaps you might want to consider switching to a larger, nationally recognized carrier that has done business in your state for a number of years and deals through independent agents. This way you can be assured that the money you are paying in for your coverage will actually be there in the case that you have a loss and need the finacial help your insurance should provide.
The next thing you should do is "shop" for a local agent that has been in the business for awhile and who is reputable in the community. Referals from friends and coworkers can often be very helpful.
In the long run, you might pay a little more for your insurance to have a personal agent through one of the "good old boys" insurance providers, but it will pay off when you have a crisis and need to use your insurance.
Remeber, you pay for what you get, so sometimes you have to spend a little more for quality and service, versus just looking at the bottom line (premium).
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I am a liscensed insurance agent in CA. My family has been practicing insurance for over 35 years.
July 17th, 2010 at 10:56 am
You’d be better off shopping for a new AGENT, who will take the time to write the policy correctly in the first place, and give you all the extra coverages you need, so that when claim time comes there aren’t any surprises.
I’ve loved my policy with Erie Insurance, and I’m happy with my State Farm policy, too.
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agent, 21+ years
July 17th, 2010 at 11:44 am
I’ve been with Erie for years. Their prices are decent, and their claim service it top notch.
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Decades in the business, not an Erie employee
July 17th, 2010 at 12:14 pm
check out globalwideinsurance. com they can help you, watch out for companies that are not a listed, make sure when u are looking for homeowners to see what kind of discounts u get all companies are different some give dicsounts for your age, occupation, married or single, so much out thier that why you should see globalwideinsurance. com
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July 17th, 2010 at 12:37 pm
I agree with mbrcatz, an independent agent can quote with many different companies and find the right fit for you. And remember, some of the bells and whistles you may think are silly and expensive are the very same endorsements to a basic policy that will save you in the long run.
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July 17th, 2010 at 1:12 pm
You didn’t say what state you’re in.
I’m with Sentry Mutual out of Wisconsin, we recently had a fire in a rental property and they came through in a large way. Their policies are well written with endorsements available depending on what you need. They only write in around 14 states, so you may be out of luck depending on where you live.
Erie used to be solid, several agents told me their claims handling went south with their loss history. State Farm seems to have a love/hate thing going with their clients.
Tell us more about your issues and where you are, we may be able to help you better.
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http://ohio-insurance-forum.blogspot.com/
July 17th, 2010 at 1:27 pm
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