azdryheat wrote:
A long time friend has been my Farmers agent for close to 20 years. I didn't realize how much I had been paying his company until I got quotes from USAA, Progressive and Geico. Wow, they're all less than half of what I'm currently paying. Shop around. Read the reviews. Paying more doesn't mean better service.
I have been with a major insurance company now for nearly 50 years. That includes the Rv's ,home ,and auto . In that time , we have multiple claims , some with amounts of several several thousands . Most of them have been wind damage , one was for 11K ,one was for 17K . We live in an area ,although not often we get canyon winds out of the east, up to 100 mph gusts . Not once have we had our home insurance rates increased. We turned in two or three comprehensive claims in a short period of time , they raised our deductible from $50 to $100, and if I remember ,it went back to $50 after a year or two of no comprehensive claims. No rate increase .
In all this time ,there has never been a letter saying or threatening rate increase ,cancelation etc. Do I mostly likely pay more ,no doubt. Do I care ,not in the least. I have been covered for more stuff then I can list here in nearly 50 years.
The 17K , was to replace my entire roof, although only the east side had the shingle damage , they replaced an entire 14 year old roof . Many neighbors ,their insurance would only replace the effected slopes . You don't match shingles , unless they are very new , color never matches ,and they show on some of the roofs repaired . These are not cheap homes ,they range from 750K plus .
My point ,as you say paying more ,does not mean better service . All I can say is whatever my rates are ,and as said I am most likely paying more then others , less then some, the service has been second to none. In other words ,I don't care what my rates are , I'm covered .
