Insurance

[Chief 101]

My Auto and Homeowners insurance has jumped dramatically this year and my agent says it's because of the population explosion in the area...I come to find out that the company I have been paying for 40 years has hired a "Chief Diversity officer" and I suspect the Chief has a large crew of Indians to man it. I need to find a new insurance company that hasn't gone woke...can anybody help me here?
I'm not looking to make this political, just want to find a new Insurance company.

 

[dannyd]

Good luck; Almost all insurance companies are woke and they really don't care how long you have been a customer.

 

[JPGLSG1234]

Find yourself an independent Ins agent and get them shop around. My package for everything seems to keep going up every year by 8 to 10%.
If I live another 18 to 20 years I will be paying $20K plus for health/auto/home.

 

[sfhogman]

Go to Consumer Reports. For myself, I have had USAA for many years. Couldn't be happier.

 

[jimbo1096]

I shopped around last year for a new policy. Had to get a new roof to make it happen (it was over 30 years old), and had an independent agency bring me what they could find to compare. I've had Allstate, then Encompass, liked both of them from service and ease to communicate and work with. Just needed to get a better rate. I bundle home and two vehicles, use to be three. Of 6 companies, including USAA, Progressive was the lowest. I hate the commercials but over $150 a month lower rate for the same coverage made me go with them. So far, so good. Outcome may be different in your area.

 

[hittman]

Independent insurance agents works best for me.
They’re not captive. Can shop around for you and get best coverage at best rates.
Wish I had done this earlier.

 

[Chief 101]

I like the idea of the independent...

 

[wheelgun1958]

My Auto and Homeowners insurance has jumped dramatically this year and my agent says it's because of the population explosion in the area...I come to find out that the company I have been paying for 40 years has hired a "Chief Diversity officer" and I suspect the Chief has a large crew of Indians to man it. I need to find a new insurance company that hasn't gone woke...can anybody help me here?
I'm not looking to make this political, just want to find a new Insurance company.

Farm bureau

 

[bigbillyboy]

I dealt with this last October. Price are up !

 

[Kevin]

We had an independent insurance company. What a bunch of yahoo’s.

Switched to Farmers and they were cheaper.

Also, go for the highest deductible and it lowers your premiums….Just a thought.

 

[XP100]

Anyone deal with The General?

 

[KS25-06]

Farm Bureau

 

[woodsy]

Having previously been insured by a mutual company, we were shocked by their 30% plus increase in rates, just before they went national. Now there are other formerly mutual companies going regional or national, who are also raising rates. We found that our local independent "associates" got us policies which are 'way lower than anything advertising on TV (guess why), and are also very cooperative regarding claims.

 

[pyth0n]

My Auto and Homeowners insurance has jumped dramatically this year and my agent says it's because of the population explosion in the area...I come to find out that the company I have been paying for 40 years has hired a "Chief Diversity officer" and I suspect the Chief has a large crew of Indians to man it. I need to find a new insurance company that hasn't gone woke...can anybody help me here?
I'm not looking to make this political, just want to find a new Insurance company.

They've all gone woke. Here's the response I got when I questioned the increase here in FL.

"Thank you for your recent inquiry.
Your renewal premium increased in part due to a State approved rate increase. Homeowner premiums are calculated by groups. All the homes in each territory that are built with the same materials and have the same fire protection classification, receive the same base rate according to the loss history of that group of homes. The cost of reinsurance (spreading the risk to other companies around the globe) so we will be here for you after a community-wide disaster is also added to the rate. If you haven't had any losses I'm sure others in your group appreciate that you're helping to keep costs down, but that does not directly result in a better rate for your own policy. Other factors specific to your home will amend the base rate such as roof geometry, number of stories, year built because of the building code in effect at that time, and windstorm mitigation features. Then your premium changes according to your own policy's coverages such as windstorm, ordinance and law, and replacement cost for your contents. As your home gets older some credits, such as age of home discount, will decrease. Fees assessed by the State of Florida can also change.
Each year Tower Hill does an extensive analysis of all these factors to determine the fairest rates, and files our rate changes with the Florida Office of Insurance Regulation.
One of the factors in the increase to your premium this year was an increase in your Coverage A Dwelling Coverage due to Inflation Guard coverage."

 

[hittman]

I asked my Country agent once why my homeowners insurance went up even though I had no claims.

He said the recent hurricane or storms or whatever in the southern states cost them a lot of money. I told him for the most part I don’t care about the problems of the people there and resent paying Country for their poor decisions in issuing insurance there.

This is when I went to an independent agent. I had my business, and E&O policy, a home, 2 autos and 1 Harley to insure. I got the same or better coverage, PLUS added a $1,000,000.00 umbrella policy that is $325.00 a year and still saved almost $600.00 annually over what I was paying Country.

 

[wolfsong]

AAA works for me. My monthly payment has actually gone down the past 2 years, from $189 originally to $168 last year to $i58 this year, for full coverage on 2 vehicles. Driving an older model truck and car plus the numbers of miles driven annually are factors...

 

[Bear Paw Jack]

I’m with State Farm, have been for over 40 years. 3 houses, 2 cars, plus 1,000,000 umbrella policy. Haven’t had many claims over the years. Very pleased with the few claims over the years.

 

[Jeepnik]

Been dealing with State Farm since 1977, continuously. Never had a complaint. In all that time the first three agents were a father, son and grandson. The fourth and current is a young woman who learned from them. It’s usually the people who make or break relationships not a company.

 

[XP100]

HO ins went up over 450.00 last fall and Auto ins. In Feb went up from 603 to 774 for 6 month policy.

 

[peachhead]

I’m with State Farm, have been for over 40 years. 3 houses, 2 cars, plus 1,000,000 umbrella policy. Haven’t had many claims over the years. Very pleased with the few claims over the years.

Me too, my cousin is my agent (his Dad before that). I have very few complaints except for the fact that my homeowners goes up every year because my house value goes.up. I said why don't we just cap this number at a certain amount and was told I couldn't do that.
Gonna try an independent agent here shortly and see how that works out.