Homeowners insurance- got dropped. Who do you use?

Discussion in 'Off Topic Discussion' started by Slacker, Jun 14, 2012.

  1. Slacker

    Slacker U. S. Military

    Joined:
    Jun 26, 2008
    Messages:
    3,230
    Likes Received:
    22
    Location:
    Durham, NC / Mebane, NC
    My wife had a few trinkets stolen from her car while it was parked in the driveway a few weeks ago.
    So did about 20 other folks in nearby neighborhoods. We called homeowners to check on the deductable. It was too high, so we made no claim.

    Fast forward two weeks, get a notice that we're being dropped.
    They recommended a company out of London (Lloyds?) that requires up front payment.

    That's a no go. We are not high risk.

    Need another outfit. Need firearms and jelwery riders that are reasonable.
    Who do you use?
     
    #1
  2. Chdamn

    Chdamn Staff
    Staff Member Vendor Club Subscribed

    Joined:
    Mar 6, 2010
    Messages:
    16,530
    Likes Received:
    88
    Location:
    Right behind you, NC
    If you are a vet call USAA.

    What probably happened is, although they are not supposed to, some insurance companies count a phone call to check on making a claim as a claim.

    And in the HOI world......1 claim makes you untouchable to most other companies.

    However, since there was no actual claim made you should be able to get insurance again fairly easily.
     
    #2
  3. Zbizzle911

    Zbizzle911 Member

    Joined:
    Dec 27, 2011
    Messages:
    1,682
    Likes Received:
    17
    Location:
    Midway Nc
    Alstate has been great to us. Have car home and gun rider. With them.
     
    #3
  4. Wahoo95

    Wahoo95 Club Subscribed
    Club Subscribed

    Joined:
    Aug 7, 2007
    Messages:
    17,114
    Likes Received:
    107
    Location:
    Charlotte, NC
    Try Allstate

    If that doesn't work try any of the many independent agents around town which would exclude the typical captives like State Farm, Allstate, Nationwide, USAA, Farmers.
    Sent from my DROIDX using Tapatalk 2
     
    #4
    Last edited: Jun 14, 2012
  5. Luke Cage

    Luke Cage Hall of Shame

    Joined:
    Jun 29, 2011
    Messages:
    8,752
    Likes Received:
    4
    Location:
    Fayetteville
    I use USAA, never had any issue with them. I use to have state farm but got a better rate with USAA when I combined it with my car insurance and rental property.
     
    #5
  6. BurnedOutGeek

    BurnedOutGeek SlayerNut - RIP
    Staff Member

    Joined:
    Mar 24, 2009
    Messages:
    16,645
    Likes Received:
    52
    Location:
    Chatham Co.
    A second vote for USAA. Had my outbuilding broken into a few years back. Close to $12k in power tools and Harley stuff (not the bikes) and had a check in about 9 days. No threats, just an apology for the break in and no rise in premium. Good to go in my book!
     
    #6
  7. Bailey Boat

    Bailey Boat Club Subscribed
    Club Subscribed

    Joined:
    Nov 23, 2007
    Messages:
    5,418
    Likes Received:
    29
    Location:
    Kannapolis/Concord
    Contact Shortbus and/or TRGuy (both on this forum) as they are independant agents with a large portfolio to choose from. BOTH are stand up, do right guys.......
     
    #7
  8. rantingredneck

    rantingredneck Staff - Purveyor of Kydex
    Staff Member Vendor

    Joined:
    Aug 2, 2007
    Messages:
    15,097
    Likes Received:
    64
    Location:
    Alamance County, NC
    I've been a satisfied Erie Insurance customer for about 10 years now. Had a couple of minor homeowners claims and no rise in premiums or threats. My wife had an auto accident, her fault, no rise in premium due to first accident forgiveness policy. I use an agent out of Durham, Thaggard Insurance. Husband and wife team. Good folks.
     
    #8
  9. tilefish

    tilefish Dog Defender
    Club Subscribed

    Joined:
    Jul 1, 2010
    Messages:
    3,329
    Likes Received:
    4
    Location:
    Charlotte

    Yup, I see it all the time. Companies logging an inquiry as a claim. Makes it impossible to qualify to the person. What you will to do is get documentation faxed over from your prior carrier stating that the claim in question was an "inquiry only", otherwise you will not be able to get a decent insurance company.

    If you call Allstate, you will have to have preferred auto with them as well. No stand alone homeowners insurance in NC.
     
    #9
  10. HTP

    HTP Member

    Joined:
    Jan 25, 2012
    Messages:
    5,944
    Likes Received:
    20
    Location:
    EM95pd
    TRguy is my agent for auto, homeowners and health insurance. I highly recommend him.
     
    #10
  11. Yoda

    Yoda Not Subscribed

    Joined:
    Jun 26, 2011
    Messages:
    295
    Likes Received:
    0
    Location:
    Sandhills of NC
    Another vote for USAA.
    Don't have to be a vet, obviously can be active duty, reserve, or related to one.

    Will avoid Allstate if at all possible based on previous experience.

    Will never again consider State Farm. Buncha' farquin' dirtnozzles ;poo​
     
    #11
    Last edited: Jun 14, 2012
  12. Braveheart

    Braveheart New Member

    Joined:
    Aug 3, 2009
    Messages:
    1,780
    Likes Received:
    3
    Location:
    Charlotte, NC
    Travelers. But I've never had a HO claim.


    If state farm was my neighbor, I wouldn't need enemies.
     
    #12
  13. CJohnson76

    CJohnson76 Guest

    That sucks man. I have my homeowners and car through State Farm, also have a firearm policy with Geico. I had Allstate for 20 years but the local agent is close to retiring and her assistant is an idiot...lol. So after waiting 3 weeks for a response I swapped out. I loved rhem until that.
     
    #13
  14. Nessy

    Nessy U. S. Military

    Joined:
    May 20, 2012
    Messages:
    609
    Likes Received:
    42
    Location:
    Jacksonville, NC
    Eh, I am with Cotton States Insurance for my home owners. I'm active duty military and use USAA for my Renter and Auto insurance, but not Home Owners. When I called up to get a price quote, they told me they would only insure me for the rebuild value of my house. I have a 3 bedroom/2 bath in Georgia that's at 1950 square feet on an acre and my mortgage is for $100k. The cost to rebuild the house is like $200k+ or something like that, which makes the insurance much more expensive. If the house burns down I just want to make sure I have enough money to get out from under the home loan.

    I went with Cotton States because they would insure me for the actual mortgage value of the house, and I have had no issues with them (but also made no claims). I did call up a few times to ask about a claim I think, though.
     
    #14
  15. SCshooter57

    SCshooter57 Lifetime Member
    Lifetime Member

    Joined:
    Aug 23, 2010
    Messages:
    1,741
    Likes Received:
    46
    Location:
    Rock Hill, SC
    I've had both my homeowners and autos with Farm Bureau for years and years (and no, you don't have to be a farmer). Rates have always been good when I checked them. Have never made a claim on the HOI. Have had a couple on the auto. They've always treated me right.
     
    #15
  16. Joe30045

    Joe30045 Registered Member

    Joined:
    Feb 6, 2008
    Messages:
    1,057
    Likes Received:
    6
    Location:
    Hope Mills
    NC Farm Bureau has done right by me and specifically Amp from the board here is my agent.
     
    #16
  17. Chdamn

    Chdamn Staff
    Staff Member Vendor Club Subscribed

    Joined:
    Mar 6, 2010
    Messages:
    16,530
    Likes Received:
    88
    Location:
    Right behind you, NC
    This just shows it takes all kinds as I am exactly the opposite. I will only insure my home with USAA "Because" they go to exhaustive lengths to insure that our insurance coverage is high enough to rebuild. They literally send me a questionnaire every year asking for details of any improvements or changes to the property. Which they then check against current rebuild cost for similar materials and features.
     
    #17
  18. mekender

    mekender Lifetime Member
    Lifetime Member

    Joined:
    Aug 11, 2007
    Messages:
    12,842
    Likes Received:
    2
    Location:
    CLT
    How is that even legal?
     
    #18
  19. Cocked & Locked

    Cocked & Locked OLD SCHOOL STAFF
    Club Subscribed

    Joined:
    Aug 25, 2007
    Messages:
    3,790
    Likes Received:
    23
    Location:
    Davidson County NC
    if you are eligable USAA
     
    #19
  20. Nessy

    Nessy U. S. Military

    Joined:
    May 20, 2012
    Messages:
    609
    Likes Received:
    42
    Location:
    Jacksonville, NC
    If I wanted to rebuild then it'd be something I got. But 2x the payment for a house I'm not even living in and don't have plants to have rebuilt isn't what I want. If I planned on retiring there and raising a family, etc then I'd go the other way.
     
    #20

Share This Page