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Homeowners Insurance

The TVClubHouse: General Discussions ARCHIVES: 2004 Nov. - 2005 Jan.: Home and Garden (ARCHIVES): Homeowners Insurance users admin

Author Message
Conejo
Member

08-23-2002

Wednesday, July 07, 2004 - 11:50 am   Edit Post Move Post Delete Post View Post    
I have just been notified that my homeowners insurance policy will not be renewed because of a claim that I had last year! Anyway, just curious if anyone had any suggestions/experience with any insurance companies that offer homeowners insurance. Also, since I have my car insurance with the same company (Cincinnati Insurance Co.) the cost is going up because I will no longer get the combined discount - so I'm looking to switch that policy also. What a pain! ONE claim and I'm getting dumped! Why have insurance if you can't file a claim without getting dropped?

Cassie
Member

07-15-2000

Wednesday, July 07, 2004 - 12:18 pm   Edit Post Move Post Delete Post View Post    
Which company is dropping you, Conejo? (I had the same experience last year with State Farm...after 18 years too!!) Insurance companies are getting away with murder it seems--you might want to talk with your insurance commissioner about this as it could be hard to get another company to cover you for the same premium after being dropped.

Conejo
Member

08-23-2002

Wednesday, July 07, 2004 - 12:27 pm   Edit Post Move Post Delete Post View Post    
Cassie, Cincinnati Insurance Co. is dropping me because of one claim I had against my homeowners policy (the claim had to do with storm damage).

I've already checked with Nationwide, and their rate is more than double what I am currently paying!

Cassie
Member

07-15-2000

Wednesday, July 07, 2004 - 1:00 pm   Edit Post Move Post Delete Post View Post    
It's disgraceful, isn't it. Only thing I can recommend is to report them. Perhaps when Insurance commissioners start getting enough complaints something will be done.

Lurknomore
Member

07-07-2001

Saturday, July 17, 2004 - 8:05 pm   Edit Post Move Post Delete Post View Post    
If you have a different auto insurer I would check with them because it's often cheaper if you link your policies. (Mind you I don't but I may next year). And FYI I have Amica for my homeowners, and had em for years before for renters. After years of no claims I had 2 this year. Both were paid promptly and when I asked the adjuster about the 2nd one and my fear of getting dropped (since it was a fairly small claim $500, though certainly big to me lol), she said oh no we would have to see a pattern of abuse we wouldn't drop over 2 relatively small claims. (The first was for a couple thousand on my special computer insurance rider). So you might want to consider them. Also, they give you an option of paying a larger amount and getting a dividend check back at the end of the year (you you end up paying less) or paying a larger amount total. Far as I know they are National, since a friend of mine out of state referred me to them.

Conejo
Member

08-23-2002

Monday, July 19, 2004 - 6:33 am   Edit Post Move Post Delete Post View Post    
Thanks Lurk!

I just obtained a new homeowners and auto policy through Allstate last friday. The homeowners policy was about 50% more than I was previously paying and the auto stayed about the same.

Lurknomore
Member

07-07-2001

Monday, July 19, 2004 - 3:00 pm   Edit Post Move Post Delete Post View Post    
Dang wish I stumbled back over to this section earlier. Maybe you could call Amica and get a quote. I think there is an amount of time you can cancel in, and if it's too late there's always next year. Can't hurt to find out if it's even a good option for you. YIKES on the increase though!!!!!

Not1worry
Member

07-30-2002

Tuesday, July 20, 2004 - 8:08 pm   Edit Post Move Post Delete Post View Post    
Lurk, do you have a 1-800 number for Amica? We are buying a house and I'm trying to get some quotes. Thanks.

Lurknomore
Member

07-07-2001

Sunday, July 25, 2004 - 8:22 pm   Edit Post Move Post Delete Post View Post    
Hi Not...glad I came back to check over here...sorry I didn't answer sooner. I'll do one better. Here's there web site http://www.amica.com/ where you can read about em and the numbers are right on it by state, as well as the main #.

I was pleased to see that not only was I happy with them, but JD Power ranked them #1 in customer satisfaction for both home and auto. Good luck!

Ginger1218
Member

08-31-2001

Wednesday, August 04, 2004 - 4:40 am   Edit Post Move Post Delete Post View Post    
Let me weigh in here on a subject that a lot of people are not clear about. Renters Insurance. To all of you who rent and do not have it - I say CALL AN INSURANCE COMPANY RIGHT NOW. It is so inexpensive - usually less than $200 for a year and, does not have to be paid at once, and - coming from one who knows, it is soooo important. You never know. Your landlord is only liable for the structure, not for your personaly possessions and to be relocated.

Colordeagua
Member

10-25-2003

Sunday, August 08, 2004 - 5:07 pm   Edit Post Move Post Delete Post View Post    
Last year I heard something on the radio about homeowners insurance and the CLU / CLUE list in the insurance industry. If I remember correctly, one or two claims and nobody really wants to insure you. And that's just it -- it's homeowners, but the claim filed is against both you (having filed a homeowners claim) and the property for which it was filed. In other words, if you move you would still have a problem getting homeowners at a new address. The person who bought your house would have a problem getting insurance because a claim had been filed on that address.

Sounds like a racket to me. You need insurance, but be careful using it.