B-1 83 said:

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well_endowed_ag said:

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fc2112 said:

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evestor1 said:

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travelers took me from 5200 to ... 9900 so thank your lucky stars!

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Same here. And I shopped it around and it was still the cheapest.

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I have a very nice 4,300 square foot house with a pool and massive garage, and I just switched to State Farm for a premium of $3,550 for the next year, 1% deductible, good coverage. What kind of house do you have that you can't find something less than $9,900 a year? If you're in a $2.5 million house, then that makes perfect sense and you should stop complaining. But if you live in a house similar to or ****tier than mine, you're being robbed blind, and you obviously haven't shopped around.

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State Farm just quoted me more than that for a 2200 sq ft home, no pool, and just standard 2 car garage.

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I think it's all a scam and seemingly random as to where people in analogous situations can get good deals. There is no reason that insurance for that house should cost you more than $2,000 a year. $2,500 at the absolute max. I live near San Antonio. Not sure where you are, but it shouldn't be that drastic of a difference. Again, it is a scam.

Germania raised mine 19%

Don't just jump at the lowest quote without comparing the actual coverage. Does it include flood insurance/do you need it? Does it include slow leak/seepage?

saw em off said:

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An agent shopped around for me and pointed me to SageSure. They didn't go up too terribly bad this year. I have no idea what a claim would be like, but maybe worth a quote at least.

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They are who i switched to for my rental this year. They were the cheapest for sure.

A Charger? Oooh, that's gonna be more than $50k. But we can get you financed.

well_endowed_ag said:

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fc2112 said:

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evestor1 said:

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travelers took me from 5200 to ... 9900 so thank your lucky stars!

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Same here. And I shopped it around and it was still the cheapest.

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I have a very nice 4,300 square foot house with a pool and massive garage, and I just switched to State Farm for a premium of $3,550 for the next year, 1% deductible, good coverage. What kind of house do you have that you can't find something less than $9,900 a year? If you're in a $2.5 million house, then that makes perfect sense and you should stop complaining. But if you live in a house similar to or ****tier than mine, you're being robbed blind, and you obviously haven't shopped around.

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I live in a house worth about 1.5mm or so. it is 5k sf or so with a metal roof and a boat dock that is covered under the policy.

i hadn't shopped it yet. i have until end of month, but was surprised it was nearly a 100% increase.

We are also. USAA was who we used for everything but our homeowners. We had Liberty. Three years ago our house what hit by lightning and caught fire.
A year later they upped our premium by 50%! We shopped and ended up with USAA as their premium was the same as liberty before the increase.
They have always been good to us and we have not had an increase so far.

My parents had State Farm for years. Never did a single claim. They had a tree blow over onto their barn in a storm. My dad had all kinds of issues getting it resolved.
They sure were " Not Like A Good Neighbor".

Hey guess what everyone's rates are going way up. They are gonna go up again also. As an insurance professional I suggest you stay with USAA or Travelers. They actually have employees to handle claims, and are not Criminals. If you like coverage stay away from any of these non admitted guys or Allstate, Farmers, or State Farm. I am not a broker. I purchase large amounts of insurance for several companies and handle all their claims.

They don't want to write new policies for coastal property referring to your State Farm quote

Bonfire97 said:

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We actually left them 2 years ago. I actually think their customer service has gone to hell in the last few years.

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I'm about to leave. Customer service has gone to crap and it's a pain in the ass to have no physical branch to go to.

Aggie97 said:

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I am a Farmers agent. If anyone wants a free quote for here in Texas PM me.

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I'm Class of '67 and have been a member of USAA for 57 years. So long that I rarely take the time to check my rates. I recently looked at my current auto and homeowner premiums and I am appalled! I have never had a major auto accident and my homeowner claims have been for hail damage only. My annual auto insurance premium is $1919.48 and my homeowner's annual premium is $2569. I started driving in 1961 and have only one ticket (speeding) in all these years.
Let me know if you can substantially reduce my insurance premiums enough that would make switching companies a smart thing to do. My email address is: rickpeters32@gmail.com.

Sincerely,
Eric (Rick) Peters
Granbury, TX

I'm currently with Safeco and my HO premium went up 77% this year. Auto up 38% and umbrella policy up 20%.
Last year, my HO went up 30% so my HO Premium is up more than 100% in two years and I have never filed a claim with them on any policy. Unbelievable! I will be shopping around. The insurance companies now operate like the cable companies do. New customers get a break while long term loyal customers get screwed. Disgusting way of doing business.

DeSantis declares state of emergency as 'life-threatening' rainfall and flooding hits Florida

These weather events ^^ are happening all over the U.S. Just because you haven't had an event doesn't mean there aren't billions upon billions of dollars in losses. Insurance is a shared risk, it doesn't just apply to your home and auto insurance.

There have been 15 hail reports near Houston in 2024. I read one report that on March 7, 2024 there was a hail event in Texas that impacted 6,821 properties.

Not sure if this pic is big enough, but it shows "combined loss ratio". As an example, Progressive can turn a profit if their ratio is 96%. That means for every dollar they earn, they are putting out 96 cents toward expenses and losses. Only Chubb and Amica have a ratio less than 100. The combined loss ratio is the last column.

https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/us-homeowners-insurers-net-combined-ratio-surges-past-110-81711947

'Mile of Cars'....

I would encourage you to talk to roofers to see what companies tend to deny first and ask questions later. There are some companies that are denying tons of legitimate claims right now, to the extent that some customers are going straight to Public Adjusters and lawyers to deal with their claims instead of spending the time waiting for their insurance company to deny the claim first.

It's just a nightmare': More and more USAA members who lost thousands of dollars are sharing stories of fraud

https://finance.yahoo.com/news/just-nightmare-more-more-usaa-102500500.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAJE_y1-JhrfxnjLmmtAnGENvk_XJ4AY9l1Jsim2IA9a_Ct0QpXVBrQQr0ZOW7APpPbwm8huAXCXyq1uWWTc24H7QRrAS1jqHIFeKxOdZ_o6NphjbzM2QlYacGMTPhCOA2xq54Knt4swdr0bYzCxJb1cadPexzt3Qz9YDRVtdsqSj

B-1 83 said:

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Matsui said:

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shop it around

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So far, State Farm is higher…..

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I've got Farmers Allstate...and live on the Island.

It's pretty competitive.

ETA: Forgot I'd switched a couple years ago. I've got 3 rentals under Farmers...and didn't change them. I just checked and I paid ~$1000 for a 1550 sqft house with pool on the water. (this exclude wind storm and flood which are just ****ing horrendous).

Ragnar Danneskjoldd said:

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If you have USAA, you already know how you got USAA.

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The average new USAA customer graduated basic the weak prior and just bought a $50K car at 25% APR while making $20K/year.

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You're wrong on this one, and that's why USAA sucks now. First it was letting enlisted guys poison the risk pool with their dumb Camaros and now Chargers. Now if you've ever seen someone in uniform, you probably qualify for USAA membership. They let MBAs run their business and expanded the risk pools so much that they aren't insulated from stupid risks anymore. Even the company itself is slowly moving its HQ and staff to Charlotte because they think they're a bank with an insurance business now.

62strat said:

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just my 2 cents.. my neighbor has state farm, or allstate, one of those.

Literally about 75% of the houses in our area have gotten a new roof since last spring because of massive hail storms. Like if you stand in his driveway, every house you can see has gotten a new roof.

He was denied his claim.


I trust USAA to take care of me when I need them.

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Probably State Farm.

They tried to **** me back in the early 90s when we had a massive hailstorm in Arlington. I lived on a cul de sac. EVERYONE on the street got a new roof...except me and one other guy. We were both denied.

Yep. We both had State Farm.

I talked to the roofer doing another neighbor's house and he called State Farm for me. Apparently he knew where the bodies were buried because I got a call later that day approving my claim.

After we moved a couple of years ago, I shopped around for Homeowners and Auto. We had Geico for auto and they were getting too expensive. I spoke with Mark Erwin, former Aggie football player, who's an Allstate agent. We bundled Home and Auto with them and ended up saving quite a bit. We've had a couple of claims already and the whole process was painless.

jbirdag96 said:

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After we moved a couple of years ago, I shopped around for Homeowners and Auto. We had Geico for auto and they were getting too expensive. I spoke with Mark Erwin, former Aggie football player, who's an Allstate agent. We bundled Home and Auto with them and ended up saving quite a bit. We've had a couple of claims already and the whole process was painless.

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Kiss those savings goodbye...

Also- your post reads like an official ad. Are you getting paid for it?

I've had USAA for decades - home, auto, life, loans, savings, checking

Last year I read threads like this one about USAA being pricey, having never felt the need to shop around I thought maybe I was being too complacent - so I shopped for some other rates.

A couple other big name providers came in around the same price. Liere was suggested in a few threads I found but their quote came in higher than USAA.

Maybe it's my years as a customer, maybe its the bundling discounts - I haven't found another provider that comes in with a number low enough to make me consider moving.

Who has best rates for Texas auto and home as of June 2024? I'll try again.

This is what I've discovered.

State Farm came in over $600 cheaper than USAA and Progressive for Auto over a 6 month period when we quoted out our latest policy. Ultimately ended up with Texas Farm Bureau (cheaper than State Farm and gave the coverage we needed). We dropped USAA about 2 years ago when our auto policy went to around $450/month for 2 vehicles full coverage, with 1 wreck and no tickets in 5 years for either driver. I had been with them since marrying my husband, and he had had them his whole life.

Update from my post above...

Quote:

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I've got Farmers Allstate...and live on the Island.

It's pretty competitive.

ETA: Forgot I'd switched a couple years ago. I've got 3 rentals under Farmers...and didn't change them. I just checked and I paid ~$1000 for a 1550 sqft house with pool on the water. (this exclude wind storm and flood which are just ****ing horrendous).

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I just got my renewal today...$1074 for the year.

I have AAA bundled for home-owners & auto insurance.

I'd had AAA for things like flat tires and dead batteries for 15 years before I thought about them for insurance. I switched to them because they were cheapest for me after shopping around a couple of years ago, but they've turned out to be more willing to pay claims as well.

A neighbor's tree limb fell on our roof during one of the recent storms and a random roofing guy stopped by to offer a "free inspection" on the roof as we were removing the tree. I figured it was probably a scam but said "what the hell, why not" and minutes later he was up on the roof circling in chalk a few dozen spots of hail & wind damage in addition to the damage the limb did.

An hour later we were on a call together with AAA about filing a claim and scheduling an official roof inspection. As it turns out, the company (Best Choice Roofing) is on AAA's contractor list. The BCR guy came back out on the day of inspection to make sure the AAA adjuster saw & recorded all the spots. It couldn't have been smoother.

The AAA adjuster was actually a 3rd-party adjuster who works on contract for a bunch of insurance companies. He made it clear that my roof was borderline and other companies that he works with (Farmers, State Farm, USAA, Liberty Mutual...I honestly don't remember all of them that he mentioned, but he definitely mentioned these) would have rejected my roof. But AAA is by far the most willing to fill the claim by a very wide margin. In fact, he said AAA has never failed to accept his recomendation for roof replacement in over 5 years of working with them. Within a week, I had a check from AAA for 90% of the entire roof & the final 10% came once the roof was finished. Smooth & easy.

The 3rd party adjuster & BCR both agreed that the other companies would have likely only paid for the damage done by the limb & not the hail. The limb ruined a section of shingles & one plywood board below was clearly cracked. I would have had to settle for a patch job or foot the bill for the difference between the two if I wanted to replace the entire roof (which is likely what I would've done).

In my case, AAA was cheapest. But even if it wasn't the cheapest, it being the most likely to actually pay out my full claim for a new $20+K roof has proven to be quite awesome.

With that said, I have no idea how this will affect my premium for next year. I would be a fool not to shop around after a roof claim, but AAA has certainly earned my first look.

That's it. IYKYK

B-1 83 said:

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well_endowed_ag said:

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fc2112 said:

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evestor1 said:

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travelers took me from 5200 to ... 9900 so thank your lucky stars!

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Same here. And I shopped it around and it was still the cheapest.

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I have a very nice 4,300 square foot house with a pool and massive garage, and I just switched to State Farm for a premium of $3,550 for the next year, 1% deductible, good coverage. What kind of house do you have that you can't find something less than $9,900 a year? If you're in a $2.5 million house, then that makes perfect sense and you should stop complaining. But if you live in a house similar to or ****tier than mine, you're being robbed blind, and you obviously haven't shopped around.

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State Farm just quoted me more than that for a 2200 sq ft home, no pool, and just standard 2 car garage.

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It's probably windstorm. I pay a lot more than what he says but I am required to have a windstorm policy too.

Same story here, big increase coming with homeowners renewal next month so asked broker to shop it. Currently with Travelers and was told they are the only ones writing policies on homes with roofs 10 yrs or older (which mine is). I had it inspected last year and was told there was almost no damage and there is no way insurance would accept a claim filed on it and we have not had any storms since so I'm sure it still wouldn't qualify.

So my premium is going up about $3k/yr because of my roof unless I want to spend out of pocket $20-30k to replace it on my own. Those economics don't work.

Anyone have suggestions on carriers who will write policies on "older" roofs in DFW?

Look at Germania. I believe (at one point) we had a 10 year old roof insured.

With being in Dallas, is it possible you have wind damage (as opposed to hail)?

They wouldn't interview me for an adjuster job coming out of college. My gpa overall was 2.9 and they wouldn't talk under 3.0.

Sorry I had fun.

Just got our renewal today from Safeco. Between 2 cars (2022 & 2023) and a 1700 sq ft house w/ no pool, we are at $10k/year. Home insurance went up 80% from 2600 to 4400. Never had a claim.

wangus12 said:

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Just got our renewal today from Safeco. Between 2 cars (2022 & 2023) and a 1700 sq ft house w/ no pool, we are at $10k/year. Home insurance went up 80%. Never had a claim.

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Holy crap.