Home insurance

You may be right. It was the first car insurance I had when I was 17. Back then it used the original name, Government Employees Insurance Company.

I get better pricing from a local agent but I've checked out GEICO in the past and they seem OK. No one has ever asked me about my heater or roof in 2 houses over 52 years. Twenty years for a heater is not a big deal, IMO.

No geico complaints other than a 100 pg document of fine print to insure my popup camper. I use allstate for home and car, 30 years with no silly questions. I did not think my furnace was covered. Might my toilet be covered too? Allstate home is 45 month for about 100k insurance for my bundled service. Great local service.

If you are eligible, check out USAA's homeowner's insurance (check their web site for eligibility requirements). Even if you find a competitor's policy whose premium may be a few dollars/yr cheaper, insurance means nothing unless you get prompt, helpful and fair adjustment of claims associated with timely, hassle-free claim payment. I've had USAA automobile, renters, and homeowners policies for 40 years and unfortunately, have had need to file several fairly large claims under the auto and homeowner's policies. All aspects of policy service has been consistently superb. Disclaimer: Neither I nor any member of my family have any association or financial interest in USAA.

In my state, GEICO does not underwrite home owner's insurance themselves. They are agents for Travelers and handle all the issuing, servicing, billing, customer service inquiries, etc., for them.

I found this out only after purchasing a policy from them only to find out it was actually a Travelers policy when the paperwork finally arrived.

I guess that's OK- but I would have preferred if they had told me that up front.

I had GEICO car insurance for years until they pissed me off. You are the agent with GEICO so you end up filling out a lot more forms than you do with most companies. I am guessing that may all be online or something now but years ago it was a long questionnaire for each vehicle. They are also very quick to cancel you.

Thanks for the input.

I got really pissed off with the local guys when they aid my furnace was too old. I told them that it works fine and I keep it well maintained...but they did not care.

As to my roof , I told them it does not leak and the shingles are all in good shape...but because they did not quite lie flat, they would not insure me because they did not like how it looked.

I am not going to do business with any of those companies ...ever.

Thanks...I like the idea of GEICO

Yes, I filled out the forms on-line.

I would think at one point they'd actually want to look at the house but I suppose not.

The people who did come out and deny me insures due to the age of my furnace, never bothered to look in the basement.

I'm sure that if I had a new furnace but kept leaky cans of gasoline next to it, I would have gotten insured.

Thanks, will look into that as well...I have several months before my present policy comes up for renewal.

Thanks for that info.

I too would prefer to deal directly.

deal, does anyone have GEICO home insurance?

Since I'm a vet I was easily able to join and have gotten a quote.

For about the same yearly premium I can get twice the replacement coverage than I have now ...so I really appreciate the advice and am glad I asked. Since they had a recent Google Earth image of my house, I guess no one would be needed to come out and look at it.

When I found out that GEICO farms out to Travelers I recalled that the company I worked for covered my health through them, and I had to go to court just to get them to pay a $400 for a sprained leg!

I was so pissed, I did not settle until I took it to as many court hearings as possible and they must have spent thousands in their lawyer fees in an attempt to save that $400.

I never bothered to hire a lawyer and after I finally settled, the judge and I had a nice talk after the courtroom cleared and he told me how crooked the insurance company was.

homeowners insurance companies have become very risk adverse......

often they send a inspector to check out homes before insuring

some things that will drive up premiumps, but often they wouldnt even write a policy.

poor condition, things like cracked or weathered sidewalks, bad roofs. fuse boxes, knob and tube wiring. wooden porches in bad shape. the list is nearly endless

Fortunately my house is old enough to be pre-electric.

Five or ten years newer and it would have been knob and tube.

My 1898 house was wired in 1932 and it's all thickwall conduit or BX.

Now upgraded to 200 amp circuit breakers.

I once lived in a house that had a few combination gas and electric fixtures!