Salesmen says how great their coverage is, the the weasel adjuster pays out as little as possible. They should all be shot.

Germania is excellent on home owners. We've kept them for 15 years, even if they aren't always the cheapest, because the customer service amid claims has been outstanding. The auto side was also excellent, except one time early on. Other than that time, it's been outstanding. The only reason I didn't go back with them when I bought my new car was they don't do online quotes. Also, our agent either quit or retired without letting us know, so that was odd... but I always recommend them for home owners.

My business property didnt go up to speak of. Kinda thought it would after a 90k hail claim. My personal house renewed after hail claim and didnt go up in november, the rest of my houses start renewing in sept so I will see then. You don't need it till you need it.

I had a limb fall on my neighbor's garage, no damage, only smaller limbs. Called insurance, they wouldn't cover removal. I ask who pays if I cause damage when I removed it myself. They said that was covered!

Many years ago I called about my rate increase. Clean record, good credit etcetera. I said I haven't ever had a claim. Their answer 'you're due'.

I would concur Germania is excellent

I have been told hail is considered "Act of God" and isn't suppose to increase your premium. Now they will have premium increase for everyone if they have massive hail payouts, but not suppose to target an individual policy holder. This is what a few adjustors have told me

Many years ago State Farm hit me with a 500.00 increase on the house. This is when the mold was the problem. Never had any claim’s. I called asked why. Well we have to pay for all these claims. I said you pay not me. Changed company. Dump Farmers too. This was on principle. They put a 4.95 charge on bill for the under insurance . In stead of asking for a donation. Who knows where that money went.

Pretty lucky here. Have been with Farm Bureau for many years. My local agent is amazing. Incredible customer service and would not dream of going elsewhere. Same with the agency owner. Just really good people that put their customers first. No increases here.

they target zip codes

Go here and use this comparison tool. You'll be shocked at the B.S. the insurance companies are putting up. https://www.helpinsure.com/index.html

Thank you Texas Department of Insurance ( another bunch of worthless state bureaucrats).

Short and skinny on increasing premiums. 1) Rising claim cost for homes and autos. While building materials have increased it only plays a small part. There has been a significant increase in cars and their parts. The new technology is great but over a short timeframe the cost of a bumper is four to five times what it use to be. Average cost of a fender bender was <$1000 a few years ago and now its nothing for it to be $3k-$5k

2) Reinsurance is what controls the entire market, its the reason national and global events/catastrophe’s effect your individual premiums. There are a few dozen players in the reinsurance market, the likes of Warren Buffet, Zurich ect… In short they are required to carry a certain amount of $$$ in reserves based on the Total Insured Value they are backing. When there is excess capacity, premiums are cheaper, when capacity shrinks premiums rise. Premiums rise to increase their funds and also push buyers to different markets.

Ex. Louisiana has been hit multiple times over the last few years, one reinsurance market has experienced $1.2 billion in losses, which represents only 5.6% of their TIV in the state. They are actively trying to shed 25% of their book, this is being done by increasing premiums, non renewals ect…

Most of us are forced to play the game because we finance or its financially beneficial. I see many referencing their own claims history, risk pooling is the name of the game and I dont think many want to stand on an island especially when the time comes and you have to reimburse the company for claims paid through your own premiums.

You probably think whole life is a good policy as well….😅

Back then around 2000, Many customers with Farmers got cancelled for filing a water based claims, It was hard to get home owners insurance for people buying a home, The insurance companies told the Texas Department of Insurance to basically "Get Bent" and they proved that TDI had no bite in Texas, the Insurance companies defeated the Texas Department of Insurance.