Homeowners insurance?

[Popeye the Sailor]

Recommendations? Anyone worked with a company they can recommend? The rates we've been quoted seem excessive.....

[desmoquattro]

We use Farmers, and everyone we've shopped it to seems to be around that rate.

We had one claim, in the $20k range, from a fire in 2007. The claim went smoothly, but they kind of sold us short on going after the party that caused the fire (the next-door neighbors) to pay our deductible. The same company insured those neighbors, and gave them a great deal of grief in paying their claim, which was much larger than ours.

I think the location of the house is probably a big factor in the rate, as is the value of the structure.

[Popeye the Sailor]

This is a cardboard box in a fire zone. 

[desmoquattro]

This is a cardboard box in a fire zone. 

I suppose that's more insurable than a paper mache house in hell

[maillotpois]

We have State farm for our cardboard box in a fire zone.  It's not outrageously expensive.  I do legal work for a small (on the west coast) company called Amica Mutual Insurance and they are great to work with if you ever have a claim.  Super good company.   Not sure how their rates compare. You might try getting quotes from several companies and compare.

[r_ciao]

PM sent.  Good luck.

[ROBsS4R]

I pay about $700 a year

They just covered me minus my detuctible for about $5500 for a Warm Water Foundation Leak.

[GEEZER]

Peeing behind the bushes outside again?

[somegirl]

I pay about $700 a year

They just covered me minus my detuctible for about $5500 for a Warm Water Foundation Leak.

Forgot to mention who your company is?

[Popeye the Sailor]

Forgot to mention who your company is?

He's channeling a woman.

"If you don't know, I'm not going to tell you!"

[Spidey]

We got ours from State Farm, but I don't have much to tell ya.  We really like our agent.  And she likes us, cuz every coupla months we add a new insurance policy.     IIRC, their rates were fairly competitive, and we had our other insurance with them anyways.  If you want the name of our agent, it's yours.  I haven't made a claim with them, but I've *heard* they are very responsive (as opposed to others). 

[enzo]

State Farm for us as well.  The previous owner of the house filed a bunch of lame ass claims, so it was a challenge for us to find a policy.  Like Spidey, we load everything up on State Farm, so our agent treats us well.

[ducati_tim]

I had State farm back in Virginia. We had one big claim after Hurricane Isabel and a few smaller claims. Everything was handled great.

[ROBsS4R]

Forgot to mention who your company is?

I did that on purpose. Its called first National. I think they work closely with Ditech so they suggested them.
The service is so so. I just wanted to give you a idea of a price but I would not recommend them.

[ptam]

I'm with Liberty Mutual and have been pretty happy with their rates and customer service.

I'd be weary of Farmers, I tried to switch to them for the bike coverage since Liberty Mutual is expensive and uncompetitive.  However, I was setting up the policy and they were supposed to send me out the final copies to sign.  I never got them ... then about two months later I got a notice from a collections agency for a premium for them, even though I never signed any policy.  I got it cleared up, but that wasn't what I would expect.

I had to deal with one of their adjusters on the other side, one of my stores was working on a car for them ... and the adjuster kept trying to deny repairs that needed to happen.  That was enough for me.