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Homeowner's Insurance

Discussion in 'General Chat Forum' started by vawahoo, Apr 26, 2005.

  1. vawahoo

    vawahoo Member

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    Has anyone had any good or bad experience with their Homeowner's insurance company? I'm looking into transfering my policies (homeowner's, auto) to a single carrier so I can get an umbrella policy as well. I currently have Allstate for my home and haven't had to file a claim, so I haven't really had any experience - good or bad - with them yet. They seem to be cheaper than others I've priced, but I'm wondering if there's a reason.
  2. sunnydog

    sunnydog Member

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    word of caution here - we specifically keep our home owners, life and auto insurance with separate companies because if you file a claim for auto it will flag your homeowners and vice versa thus making it appear you are a higher risk category than you may be.
    we switched to AIG for auto from geico after 15 years with them and have been happy, we use state farm for homeowners and have separate life through other carriers (financial companies usually).
    while the convenience of having all underwritten by the same company is gone, the potential for profiling and flagging claims is gone as well.
  3. sasha_j

    sasha_j New Member

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    Sunnydog, you're dreaming if you think these disparate companies don't share claim data.
  4. amye

    amye New Member

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    We've stuck with Allstate for about 3 years now, and have had to file two claims (two different houses). The process was completely painless and our rates have remained low (I realize that will most likely change). USAA seems to offer very low rates as well.
  5. duda1835

    duda1835 Member

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    We have Erie does anyone else have them?? can anyone else share their experience with them?
  6. boomertsfx

    boomertsfx Booyakasha!

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    we use American Express Prop Casualty... townhouse run around $280/yr for homeowners ins... we have our autos with them as well.
  7. upr_dcker

    upr_dcker New Member

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    I'm currently using Erie for both homeowner's and auto insurance. I've been very pleased with them, but the caveat that I'll add is that I haven't filed a claim on either policy (and I hope that it remains that way). I've found their pricing to be very reasonable, and the agent I've dealt with is very responsive and helpful.
  8. greggbroadlands

    greggbroadlands Member

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    I also have Erie for homeowners and auto. I've used them for years and have never had a complaint. It's hard to beat their prices.
  9. teak

    teak New Member

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    I too have Erie. So far so good. Doing alot of business with them.

    -Teak
  10. Peppermint

    Peppermint New Member

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    Another Erie customer here. Both home and auto. Used them all my life (back when I lived in PA, then once I relocated here). They're great - decent rates and very responsive.
  11. duda1835

    duda1835 Member

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    It sure is great the company you as an individual choose is the very one your neighbors are happy with!!!
  12. boomertsfx

    boomertsfx Booyakasha!

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    seem interesting, butit seems they still operate the old style way with individual agents. I want a site i can go on and get a quote on the net! =)

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