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Old 02-20-2014, 12:34 PM   #21
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I've given up comparing insurance and will likely stay with Geico, which seems to still be best for us. Reason I don't care to compare/change is because when I rebuilt our deck with about a 4-1/2 ft deck I opted to place a large flower box the length of the deck that acts as a "drunk catcher" if you will. It's only about 16" high from the deck so as to not obstruct the view, something I hate with handrails. When I changed to Geico I had to argue and convince them that the building inspector had in fact approved it. Yes, they do actually come out when you have HO with them. I figure if I sell it I'll have to put up something more to code. Meanwhile I get to look at the lake.
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Old 02-20-2014, 01:37 PM   #22
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We did the math on CEA earthquake insurance. Since our home was built in 1963, before current earthquake building standards... and since the hubster is an architect who tends to overdesign... we kept the insurance for 2 years while he did earthquake retrofitting. He added sill bolts between the 2nd and 1st floor and between the house and the slab. He added more stiffening in the corners. (replaced sheetrock with plywood). And added boatloads of additional diagonal bracing. He's now convinced the house is better than current code and will hold up - so we canceled our earthquake insurance.

A big factor was seeing how little the coverage was, and how high the deductibles were.
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Old 02-27-2014, 12:23 PM   #23
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I'm continuing to shop around for insurance quotes, and the more I speak with brokers the more fed up I'm getting.

MetLife quoted me earthquake insurance with the following line item:

Personal Property Loss Settlement Repl Cost Cont Incl

When I called to ask what the means, the agent told me that I'm being offered replacement cost on personal property in the event of an earthquake.

I then asked what the policy limit for personal protection was. She stated it was the same coverage as the dwelling - $750K. I told her I find that very hard to believe, so she started digging through policy binders, and eventually found a line item stating that personal property protection is limited to $5K! Had I not asked, I would have thought I had very different coverage than what was being offered.

Then this morning I spoke to my Allstate agent and asked where I could read about the details of my existing umbrella policy. She told me to refer to the policy renewal document - about 12 pages long showing coverage limits and boilerplate stuff about privacy. It then instructs me to read several binder documents, including Personal Umbrella Policy form AP128, California PUP Amendatory End. form AP1310, and CA Pers Umbrella Policy Amend End form AP2306 1. However none of these documents are anywhere to be found on the internet. When I asked her about them, she said she never heard of them and doesn't know where to find them.

I asked her if I'm the first person to ask where to find documents that my policy binder states I should read and make sure I understand, and she said yes. When I told her that didn't give me great comfort that either of us understand what this policy covers, she said "are you suggesting I don't know what I'm doing?" and got very huffy with me.

Geesh. Is it not unreasonable to be able to ask my agent where the documents my policy tells me I should read might be located?

If I decide to keep Allstate, how do I go about switching brokers? Will Allstate push back if I decide to do that? Do I need to leave Allstate completely just to get rid of this broker? I'm finding this exercise thoroughly exhausting.
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Old 02-27-2014, 12:55 PM   #24
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Have you tried Amica? Consumer Reports rates them No. 1 for damage amount, agent availability and timely response. I found their rates a little high here in Wisconsin, but our insurance is generally cheap outside of big cities.
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Old 02-27-2014, 12:57 PM   #25
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If it's the agent/broker who is the problem, why not call another Allstate office in your area, ask to speak to the top agent, and see if you like him/her better? Our agent is 35 miles away, but we've known him forever and communicate well with him (although not always with the junior agents who rotate through his office). When he retires, we'll definitely seek one closer to us with the same company. I don't think the company cares which agent you use, as long as you pay your premiums and never make a claim.

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I'm continuing to shop around for insurance quotes, and the more I speak with brokers the more fed up I'm getting....

If I decide to keep Allstate, how do I go about switching brokers? Will Allstate push back if I decide to do that? Do I need to leave Allstate completely just to get rid of this broker? I'm finding this exercise thoroughly exhausting.
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Old 02-27-2014, 01:18 PM   #26
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Allstate caps their coverage for umbrella policies at $5M regardless of net worth, which is how we ended up with that coverage limit. However, yes, our net worth exceeds $5M, so I would prefer not to insure for less.
If you're interested in higher coverage, Geico states their coverage can go as high as $10 million for qualified applicants. I have no idea what makes someone a "qualified applicant".
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Old 02-27-2014, 01:52 PM   #27
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I spoke to another Allstate agent this morning. Great guy, spent over an hour on the phone with me. He told me that even if I switch to him, my old agent will continue to receive the entire commission for as long as I remain with Allstate. But in spite of that, he was very helpful and said he would be more than happy to take over my policy.

I kept challenging him on whether there was any way to move the commission over to him since I don't like to ask people to work for free, but he insisted there wasn't, but it wouldn't be a problem. Seems very strange to me. He did identify several items on the policy that needed to change.

I did receive a quote from Amica, but it was the highest of five quotes so I didn't pursue it any further.

Thanks again everyone for the input!
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Old 02-27-2014, 02:28 PM   #28
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Geico, AAA and Wawanesa are low cost providers. If you qualify for USAA, give that a try.
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Old 02-27-2014, 02:44 PM   #29
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I have 2m of umbrella insurance.
I am paying $832 in So Cal.
It is up for renewal so I think I will shop it around
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Old 02-27-2014, 03:49 PM   #30
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Anyone have experience with Progressive?
I got an online quote for home&auto package that's a few hundred less than our current policies (with 2 different companies). We've had good claims experience with our current insurers, though, so I'm reluctant to bail on them.
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Old 02-27-2014, 04:18 PM   #31
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Anyone have experience with Progressive?
I got an online quote for home&auto package that's a few hundred less than our current policies (with 2 different companies). We've had good claims experience with our current insurers, though, so I'm reluctant to bail on them.
I just called Progressive to get a quote. They were the highest so far. AAA won't quote us because my partner is not legally married to me, and I'm not eligible for USAA.
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Old 02-27-2014, 06:22 PM   #32
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I'm currently going thru this process because Progressive bumped my $1M umbrella 50%. Since apparently few companies offer umbrella by itself I've been getting quotes on auto, home and Umbrella. So far in my area (SW Oregon) Safeco seems to be the cheapest. Seriously considering switching over. I'm wondering if I should wait until the expiration of the Progressive policies (Mid April) or cancel them now and switch to Safeco.
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Old 02-27-2014, 07:25 PM   #33
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Going through the process now. I have Metlife through my employer and since I will be retiring in June Metlife will increase the premiums by 5% (loss of company discount). I got a quote from Amica and Liberty Mutual for 3 cars, a condo and an umbrella. Liberty mutual is $900 cheaper than Metlife with Amica at $500. Both Liberty mutual and Amica have a good reputation here in the Boston area.

Looks like I'll go with Liberty Mutual.
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Old 02-27-2014, 08:06 PM   #34
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Quote:
Originally Posted by Ready View Post
I spoke to another Allstate agent this morning. Great guy, spent over an hour on the phone with me. He told me that even if I switch to him, my old agent will continue to receive the entire commission for as long as I remain with Allstate. But in spite of that, he was very helpful and said he would be more than happy to take over my policy.

I kept challenging him on whether there was any way to move the commission over to him since I don't like to ask people to work for free, but he insisted there wasn't, but it wouldn't be a problem. Seems very strange to me. He did identify several items on the policy that needed to change.

I did receive a quote from Amica, but it was the highest of five quotes so I didn't pursue it any further.

Thanks again everyone for the input!


That does seem strange to me also... if that is the case, I would want to get a letter from my broker that said she was not going to be my agent and move it to your new one....
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