You're going to hear good and bad stories about all insurance companies. Not cool to make blanket statements.

I have State Farm and I have had one claim on my boat for prop shaft and fiberglass damage, It was about $6K and they were excellent to deal with.

I deal with about 200 Homeowners claims per year. It's not a blanket statement, it is what I see daily.

That's the problem. He sent me a break down of the actual policy. And it has all the extras. And the value they insured it on. 4 month old policy. And when it was agreed on repairs. They took the total of repairs. And took out for deductible. Then took that total. And said they devalue the boat agreed current value. From 10,500$ to $6000 in 4 months. Basically what the repairs are. I think repairs are around 4500$

So I guess everyone on here that likes their Geico service and says that State Farm sucks are just lying about it.

Read the JOE BASS statement. I am in the claims industry and all of the mentioned companies are good companies. If you had a bad experience it is because of not knowing what type of policy or what endorsements you may have. 95 % of people with insurance have no idea what they even have or the coverage ,limit or anything else. Most people think they have it all... but they dont. Insurance companies are in business to offer protection against accidents and perils. They know their business well. The last thing any of them want is an unhappy insured because they will 1) loose the customer and 2) loose the premium. Ever wonder why they advertise so much ? To get you to leave who you are with and come with them. Simple marketing. No different than the 10 thousand different color of plastics we all use.

There are some Agents that know more about Homeowners than Auto, Boat, Life or other types of insurance. They don't always understand everything the policy offers or does not offer. Insurance policy's always start with what we cover then go on and on and on with some very interesting language that can be quite difficult to understand. No one is a crook or stupid as all agents including adjusters and public adjusters require a license and hours of continuing education. This is not a license you can just go buy. People in the industry require more training than you would ever imagine. No one is stupid or a crook and making such a statement with that content really shows where the problem exist.The problem is with the consumer. they want the maximum coverage available but with a minimum premium. What you fail to realize is the Insurance Policy is a piece of paper. Hard to sell a piece of paper with language in it you don't understand. But when an event happens, the insured is first to go nuts about the coverage they actually have and point fingers at everyone except the one they see in the mirror, the true problem. To say one is stupid or a crook is a BOLD statement that you should reconsider.

There are some Agents that know more about Homeowners than Auto, Boat, Life or other types of insurance. They don't always understand everything the policy offers or does not offer. Insurance policy's always start with what we cover then go on and on and on with some very interesting language that can be quite difficult to understand.