When I had a claim for damage by Hurricane Irene last year, Travelers
obtained through GEICO raised my rates almost 100%. Looked around a
tried MIDDLEOAK (formerly Middlesex Mutual) and rates have been good
and customer service quite good. I've had no claims through yet so I
can't tell what will happen. www.middleoak.com
On 10/11/2013 08:43 AM, firstname.lastname@example.org wrote:
GEICO gave me excellent auto insurance rates .
Unfortunately they do not have home insurance.
As I mentioned before I had a rotten experience with State Farm.
I found Travelers horrible too.
I finally went with American Family for my home insurance.
As far as enough time - all it takes is a phone call to your current ins. co. to
tell them you are considering leaving. 5% is nothing compared to some of the
increases I've seen in the past, some of them prompting me to leave, but most
just prompting a call to an agent. Wasn't always able to lower the premium but
at least in half the cases I was. I think the most common case is that your
house is covered for a base that's higher than the current market value -
courtesy of the 2007-2008 housing market crush. Never hurts to call and verify
if the coverage makes sense given the current market value.
In a more general sense: 2013 was a pretty calm year in terms of insurance
payouts: no Katrina or Sandy or anything of that scale. I wonder if insurance
companies are more willing to negotiate lower rates this year (or just not
raising the existing)?
On Friday, October 11, 2013 11:44:01 AM UTC-4, passerby wrote:
Do you really think one year after paying out billions
over Sandy the insurance companies just forget about it?
They have to recover that money over many years, somehow.
And they know another one could come at any time.
On 10/12/2013 9:17 AM, email@example.com wrote:
And, that was a wakeup that the actuarial models they were using weren't
adequate to account for largescale common cause events -- they had
largely gotten away from the idea to instead treating each insured as an
independent event. Works for small or isolated events; when especially
multiple large-scale events occur, "not so much". So, with this
knowledge the rates will never go back to less-sound actuarially based
I'm not buying that. They're well aware of multiple-loss scenarios.
Often companies will stop insuring new business in an area because the
potential loss is too big. Perhaps they over-extended but they're
well aware of the risk and take it into account constantly.
I have had good experience with State Farm and Travelers. Around here
it is hard to switch because so many of the name companies won't insure
coastal properties anymore. I tried switching to USAA but they
wouldn't do it.
Frankly I don't think 5% is a great rate hike. If you insure your
autos or anything else with them you might get enough of a discount to
I had a couple claims with state farm auto. Recently my 2001 cavalier I
bought rebuilt in 2005 for $5k. Got totaled. They gave me $4800. I'm glad I
detailed it just before the wreck.
My home owners insurance through some company of a house I'm redoing just
got canceled. Among other things, they wanted occupancy. it's actually
still in effect for another ,14 days. I'm learning.
Recently someone posted
which is a list of the 10 worst insurance companies from a trial lawyer
Three of the companies advertize heavily on TV
I have State Farm and have not had problems, but have had very few claims.
On Friday, October 11, 2013 5:41:02 AM UTC-5, ChloeP wrote:
ant to look around. I haven't got much time though, next renewal is due in
a month. Is that enough time? Saw an ad for these 'Get the :: BEST HOME INS
URANCE DEALS :: for your house today!' (http://www.homeinsuroffers.com ) so
thought I'd do it all online but would appreciate some recommendations. --
I wuld do my home with State Farm and take advantage of their multiple poli
cies discount if you have State Farm for your auto. I have been very happy
with State Farm auto, haven't had any claims on homeowners though. But it
is so convenient to have just one company, you can get to know the local s
taff folks so much easier when there is only one set of people to meet and
On Fri, 11 Oct 2013 19:09:25 -0700 (PDT), " firstname.lastname@example.org"
Generally - and I know it is a generalization - better to deal with
a broker rather than an agent or direct insurer. They can shop the
market if the rates from one company seem high. They work for YOU, not
an insurance company, and they represent YOU to the insurance company
when you have a claim.
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