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Hey community memebers, about to be a first-time homeowner and drowning in insurance options! Everyone’s got an opinion, but I’m looking for some real talk. Which homeowners insurance companies have actually come through for you when it mattered? Did they pay out smoothly? Were their rates reasonable over time? Share your experiences – good, bad, and ugly!
I’ve been with State Farm for years, and when a tree fell on my garage roof causing $8,000 in damage, they approved the repairs within days. Sure, my premium is a bit higher, around $1,500 a year, but knowing they handled my major claim without a fuss is worth the extra cost compared to the cheapest quote I got which was about $1,200.
Erie Insurance has been fantastic for me. My friend had a $15,000 car repair after an accident, and they said there was “Zero hesitation” in getting the work done. Because of this positive experience from someone I trust, I chose them for my home and auto bundle, and my rates have only gone up slightly this year, less than some other companies my neighbors use.
Geico gave me a really solid rate initially, but after a couple of years, my auto insurance went up by $200 even though I had no tickets or claims. When I called them, they lowered it back after explaining it was due to the average mileage in my state, which wasn’t accurate for me since I work from home and barely drive. I also bundled my homeowners with them and haven’t had a claim yet, but this experience taught me to always question rate jumps.
I used to have Liberty Mutual for auto, and when I had a claim, they “refused to pay out” initially. It got so bad I had to hire a lawyer, and only then did they finally pay up. Based on this terrible experience with their claims handling, I would definitely avoid them for homeowners insurance too; I don’t want to have to involve legal action to get what I’m owed.
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