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Joined: Oct 2012
Posts: 207
Campfire Member
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OP
Campfire Member
Joined: Oct 2012
Posts: 207 |
Its past time that I guess I have to play the game and get all my insurance quoted.
Back story - Home, 2 cars, boat, camper, personal liability all with AmFam and has been for like 20 years. Felt some loyalty to them as they have been great on some claims, 2 roofs (one last year), basement flood, totaled boat/truck/trailer), but time to look around. Last time I switched years back after finding lower rates, the new "lower" cost company was up over what I had been paying in a year - so not looking forward to this.
Anyways - open to any recommendations you guys might have.
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Joined: Jan 2007
Posts: 11,586 Likes: 6
Campfire Outfitter
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Campfire Outfitter
Joined: Jan 2007
Posts: 11,586 Likes: 6 |
we've always carried farm and house insurance with Cameron mutual and or farm bureau
automotive insurance we switch quite often. usually rake shop every year if not every 2 years. I hate it when your insurance rates on vehicles go up as they get older and worth less make zero sense.
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Joined: Jun 2004
Posts: 34,327 Likes: 10
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,327 Likes: 10 |
Been doing insurance restoration for almost 40 years.
If you are a veteran, or can qualify for USAA. give them a look.
State Farm used to be the easiest to deal with and we got the best deal for the homeowners, not so much today.
Farmers was also good, but they have become one of the worst, so much so that we quit doing estimates for Homeowners with Farmers.
AmFam, Allstate have always sucked.
Make sure the company you go with has their own adjusters and not a sub. Subs will fuqk the homeowner every time.
sorry, I couldn’t be more helpful, but in todays world, they all pretty much suck.
Oh, and if you have a basement, check out the policy very carefully, most now only offer a $5K max for sewer and sump failure. That 5K will barely cover the cost of clean-up.
Last edited by steve4102; 03/23/24.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Feb 2007
Posts: 11,792 Likes: 1
Campfire Outfitter
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Campfire Outfitter
Joined: Feb 2007
Posts: 11,792 Likes: 1 |
I wouldn’t shop around. Go to an independent insurance company that represents many companies, and ask them to shop your needs and give you a quote.
NRA Patron
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Joined: Apr 2017
Posts: 19,762 Likes: 16
Campfire Ranger
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Campfire Ranger
Joined: Apr 2017
Posts: 19,762 Likes: 16 |
Amica if they are licensed to do business in your state.
"Maybe we're all happy."
"Go to the sporting goods store. From the files, obtain form 4473. These will contain descriptions of weapons and lists of private ownership."
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Joined: Sep 2014
Posts: 587 Likes: 1
Campfire Regular
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Campfire Regular
Joined: Sep 2014
Posts: 587 Likes: 1 |
I have used Amica for the last 10 years or so and very happy with them. Most have never heard of them because they don't really advertise.
I deer ran into my new SUV in 2018. They allowed factory parts and my pick of body shops. They almost insisted that I get a rental car on their dime. But I just drove my pickup a week or so while the repairs were being done.
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Joined: Oct 2013
Posts: 18,940 Likes: 2
Campfire Ranger
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Campfire Ranger
Joined: Oct 2013
Posts: 18,940 Likes: 2 |
I have had Shelter on autos for 32 years and homeowners with them since 1997.
I shopped around a couple different times and the guys who looked at my current rates said they couldn't beat them.
YMMV.
The last time that bear ate a lawyer he had the runs for 33 days!
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Joined: Jun 2001
Posts: 4,245 Likes: 4
Campfire Tracker
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Campfire Tracker
Joined: Jun 2001
Posts: 4,245 Likes: 4 |
You get out of life what you are willing to accept. If you ain't happy, do something about it!
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Joined: Nov 2022
Posts: 499 Likes: 1
Campfire Member
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Campfire Member
Joined: Nov 2022
Posts: 499 Likes: 1 |
Another vote for USAA if you qualify or Armed Forces Ins.
Depending on the location, Armed Forces might edge out USAA. It happened while I was stationed at Ft. Lewis WA and Ft. Riley. Now I'm back with USAA.
Last edited by Chuck_R; 03/23/24.
“Might does not make right but it sure makes what is.”
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Joined: Apr 2009
Posts: 4,369 Likes: 3
Campfire Tracker
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Campfire Tracker
Joined: Apr 2009
Posts: 4,369 Likes: 3 |
Was with USAA over 20 years. Got way to high. Was shopping around again the first of the year. they weren't competitive. State Farm won out. They go up I'll do it all over again. There's no loyalty in insurance.
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Joined: Jun 2004
Posts: 34,327 Likes: 10
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,327 Likes: 10 |
It has been said that one should reevaluate and shop for new insurance every 4-5 years.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Oct 2012
Posts: 207
Campfire Member
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OP
Campfire Member
Joined: Oct 2012
Posts: 207 |
Thanks for all the feedback, much appreciated. I'm not USAA eligible - will head down some of the other suggested paths this week. Again THANKYOU!
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Joined: Oct 2004
Posts: 26,601 Likes: 18
Campfire Ranger
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Campfire Ranger
Joined: Oct 2004
Posts: 26,601 Likes: 18 |
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Joined: Jun 2019
Posts: 10,016 Likes: 9
Campfire Outfitter
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Campfire Outfitter
Joined: Jun 2019
Posts: 10,016 Likes: 9 |
Anybody but State Farm- - - - -they're OK as long as you never have to make a claim. If you have a claim against somebody insured by them, hire the sleaziest ambulance chaser lawyer you can find and head for the courthouse- - - -they will start serious settlement negotiations five minutes before the trial starts.
Ignorance can be fixed. Stupid is forever!
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Joined: Dec 2019
Posts: 1,453 Likes: 9
Campfire Regular
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Campfire Regular
Joined: Dec 2019
Posts: 1,453 Likes: 9 |
Farm Bureau has been incredibly good to us for over 25 years.
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Joined: Jan 2008
Posts: 15,764 Likes: 1
Campfire Ranger
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Campfire Ranger
Joined: Jan 2008
Posts: 15,764 Likes: 1 |
Been doing insurance restoration for almost 40 years.
If you are a veteran, or can qualify for USAA. give them a look.
State Farm used to be the easiest to deal with and we got the best deal for the homeowners, not so much today.
Farmers was also good, but they have become one of the worst, so much so that we quit doing estimates for Homeowners with Farmers.
AmFam, Allstate have always sucked.
Make sure the company you go with has their own adjusters and not a sub. Subs will fuqk the homeowner every time.
sorry, I couldn’t be more helpful, but in todays world, they all pretty much suck.
Oh, and if you have a basement, check out the policy very carefully, most now only offer a $5K max for sewer and sump failure. That 5K will barely cover the cost of clean-up. Spot on
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Joined: Jun 2011
Posts: 85
Campfire Greenhorn
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Campfire Greenhorn
Joined: Jun 2011
Posts: 85 |
Based on past experience with Farm Bureau, it may be difficult to beat the quates. I would suggest finding a broker that represents multiple insurers. I have Chubb Private Client, which is pretty expensive, but they did not cancel me when we made a claim 5 days after moving in for a new roof, gutters and garage doors to the tune of about $50K. The nice thing is, I tell him what my guns, knives, reloaders, etc. are worth and just add it to my content coverage. Make sure to check that you are insured for replacement cost. If you lose your house in a fire, it will be extremely difoof luck.
Regards,
Kris
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Joined: Nov 2004
Posts: 7,115 Likes: 3
Campfire Tracker
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Campfire Tracker
Joined: Nov 2004
Posts: 7,115 Likes: 3 |
Been doing insurance restoration for almost 40 years.
If you are a veteran, or can qualify for USAA. give them a look.
State Farm used to be the easiest to deal with and we got the best deal for the homeowners, not so much today.
Farmers was also good, but they have become one of the worst, so much so that we quit doing estimates for Homeowners with Farmers.
AmFam, Allstate have always sucked.
Make sure the company you go with has their own adjusters and not a sub. Subs will fuqk the homeowner every time.
sorry, I couldn’t be more helpful, but in todays world, they all pretty much suck.
Oh, and if you have a basement, check out the policy very carefully, most now only offer a $5K max for sewer and sump failure. That 5K will barely cover the cost of clean-up. I am in the same business. Yes on usaa. Farmers in my area has been much better. They actually return calls and pay quicker. Just did a 150k claim with farmers and it went great. I usually recommend smaller to regional carriers. They are more broad on what they try to cover vs try not to. State Farm does suck usually. Travelers even more so.
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Joined: Feb 2006
Posts: 1,121 Likes: 1
Campfire Regular
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Campfire Regular
Joined: Feb 2006
Posts: 1,121 Likes: 1 |
I was a regional marketing senior manager for 40 years. Managed a 40 mil portfolio for a regional carrier. Go find an independent agent of good reputation that has multiple markets. They can customize your coverage. I won't go into it but pricing has moved up nationally. This is a discussion with alot of moving parts reinsurance loss cost storm severity western fires distracted driving etc etc
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Joined: Jun 2004
Posts: 34,327 Likes: 10
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,327 Likes: 10 |
Price, coverage, deductibles and claims are all very important but are not exactly equal, especially when it comes to Home Insurance.
I good price is always a plus, but if you ever have to use it and the claims adjuster is less than helpful and you end up paying a Schit ton out of pocket, that price wasn’t so good after all.
Example.
You have an exterior fire, one side of your house needs new siding, windows, soffit and facia.
The siding cannot be matched to the rest of the house for a variety of reasons. Same with the sofit and facia, cannot be matched.
What does your policy say, will the Insurance company pay to side the whole house so it matches, or will they only to side the damaged side leaving you with an oddball exterior unless You pay to side the whole thing.
I have seen this happen many times over the years, same with shingles, tree falls on your roof and damages 25% of one side, shingles cannot be matched, insurance will only pay to replace the damaged ones, you pay the rest.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Jun 2004
Posts: 34,327 Likes: 10
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,327 Likes: 10 |
Also, do not be under-Insured.
A half burned house can often times cost way more than the cost of a similar home new.
You will have smoke damage, water damage, fire damage, all will have to be removed before the new construction can even begin. Very costly.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Jun 2004
Posts: 34,327 Likes: 10
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,327 Likes: 10 |
And do t forget about code violations and upgrades.
Tearing apart a fire or water damaged house will often times find wiring and plumbing that no longer meets code. If these have to be dealt with due to the damage, the electrician and the plumber must put this back to code, make sure the policy pays for this and whatever the general contractor has to do to accommodate the change. It can cost a bunch.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Jul 2005
Posts: 12,534
Campfire Outfitter
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Campfire Outfitter
Joined: Jul 2005
Posts: 12,534 |
Dad always used MFA/Shelter insurance, as long as I knew him. Dad was notoriously cheap, too. Lots of Missouri farmers have no choice but to be cheapskates, and MFA had the best rates. Dad used them until he gave up his driver's license at 85 years old.
I can only think of one time he had a claim, maybe two. The old barn got hit by lightning one stormy night and burned to the ground, and another time when soybeans caught fire in the old combine and burned it up. No problems with MFA. Dad knew the agent real well, though, it's a small town. Having a personal relationship with the agent is never a bad idea, they can help grease the way when/if necessary.
You can roll a turd in peanuts, dip it in chocolate, and it still ain't no damn Baby Ruth.
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Joined: Jun 2004
Posts: 34,327 Likes: 10
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,327 Likes: 10 |
True, it’s much easier to have a local agent, a real face, then an internet company like GEICO, or Progressive.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Oct 2002
Posts: 10,007 Likes: 3
Campfire Outfitter
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Campfire Outfitter
Joined: Oct 2002
Posts: 10,007 Likes: 3 |
We installed high impact shingles the last time we had roof damage from hail. State Farm covered the repairs including the depreciated cost minus my deductible. We had to pay for the upgrade on the shingles, but it paid for itself in less than 2 years. It is a flat 25% discount on top of all the other discounts we get.
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Joined: Dec 2007
Posts: 16,166 Likes: 9
Campfire Ranger
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Campfire Ranger
Joined: Dec 2007
Posts: 16,166 Likes: 9 |
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Joined: Jan 2012
Posts: 67,330 Likes: 51
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2012
Posts: 67,330 Likes: 51 |
Shop around all you want.
I am with Farm Bureau. Simply adjusting your deductible can help a lot.
I would do my own repairs anyway, me and the wife built this place from the footings up.
Difference between a $200 deductible and having a $5000 deductible was $640 on the annual.
Insurance is for catastrophic loss anyway, it’s not for you to file little dickie $400 claims for the gas grill melting a 2ft square of your trailer house vinyl siding.
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Joined: Sep 2017
Posts: 4,378
Campfire Tracker
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Campfire Tracker
Joined: Sep 2017
Posts: 4,378 |
I would tell you to get yourself the the public library and check out the March ‘23, September’23 and November ‘23 issues of Consumer Reports for homeowners and automotive insurance. They rate them all in a side by side comparison. As a group, I do see that USAA is rated #1 overall in the back issues that I have. Dad was in the state guard and I’m not sure that qualifies, but the wife’s dad was with Patton’s tank destroyers so that should get us in for a look. Guess my own going commando once in a while won’t qualify.
My other auto is a .45
The bitterness of poor quality is remembered long after the sweetness of low price has faded from memory
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Joined: Jun 2004
Posts: 34,327 Likes: 10
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,327 Likes: 10 |
I would tell you to get yourself the the public library and check out the March ‘23, September’23 and November ‘23 issues of Consumer Reports for homeowners and automotive insurance. They rate them all in a side by side comparison. As a group, I do see that USAA is rated #1 overall in the back issues that I have. Dad was in the state guard and I’m not sure that qualifies, but the wife’s dad was with Patton tank destroyers so that should get us in for a look. Guess my own going commando once in a while won’t qualify. If using a family member to quality that family member must had had USAA as well. My father-in -law was in WWII, he had State Farm his whole life, because he did not have USAA, my wife could not qualify for USAA.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Sep 2017
Posts: 4,378
Campfire Tracker
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Campfire Tracker
Joined: Sep 2017
Posts: 4,378 |
Bummer, they sure don’t tell you that in the advertising. Lots of other choices out there though.
American Family seems to be fine for us on the cars and house, but they don’t give a bundle discount for a vehicle and rental property. Allstate does, so I have the truck and rentals with them. Florida was a whole nuther thing as there were only two insurance companies that would cover places down there due to the hurricane potential. Even then the premiums were horrendous.
My other auto is a .45
The bitterness of poor quality is remembered long after the sweetness of low price has faded from memory
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Joined: Dec 2005
Posts: 7,018 Likes: 1
Campfire Tracker
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Campfire Tracker
Joined: Dec 2005
Posts: 7,018 Likes: 1 |
I use Cornerstone Ins, they are in Columbia. I pay ridiculously low auto rates and claims have been painless.
$$$ TRUMP AT THE PUMP 2024 $$$
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Joined: Jun 2004
Posts: 34,327 Likes: 10
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jun 2004
Posts: 34,327 Likes: 10 |
I use Cornerstone Ins, they are in Columbia. I pay ridiculously low auto rates and claims have been painless. I didn’t know the Columbian Cartel sold insurance.
Give a man a fish and he eats for a day. Give a man a welfare check, a forty ounce malt liquor, a crack pipe, an Obama phone, free health insurance. and some Air Jordan's and he votes Democrat for a lifetime.
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Joined: Oct 2023
Posts: 39
Campfire Greenhorn
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Campfire Greenhorn
Joined: Oct 2023
Posts: 39 |
I went through this a few years ago, I found Alfa to have the best rates/coverage
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