company home insurance

Anyone know any good home insurance company in the Houston, TX are for a good price?

Looking to get home insurance on new home. Looking for a good rate.

We use State Farm. I never have had a home claim but I know someone who did and they received excellent service. I've used them for car claims and they are very helpful.

Which home insurance company should I choose?

I'm currently shopping for home insurance and I need some answers quickly. I currently have Allied Insurance and am thinking switching over to Western Mutual because of the cost for the policy. Anyone know the differences between the two and what's the web site for checking reputations and so forth about an insurance company from the states i've living in??

Make sure you check the policy. We just signed a contract with a company in our agency. We asked a lot of questions and were satisfied. After signing the contract, I read their policy. There is no way that I am going to place any business with this company. You need to read the policy and see what you are getting.

Ex. Some companies offer backup of sewer and drains coverage. You pick and amount and assume you are insured for that amount. Some companies will only cover you if it is sewage that backs up. Some companies will only cover you if you have drain tile around your house. Don't go for the cheapest. Check out the company and also the policy.

Ask the agent "Would you insure your house with this company?"

I would never write any home with a company that I would not insure my own home with.

Do home insurance company drop you because of a lawsuit?

Do insurance companies drop/cancel your policy if youhave a lawsuit(premise liability) or demand letter and you havent report it to them? What are some reasons of why a insurance will drop you? Im talking about Home Insurance.

It depends on what state you are in. Some states won't allow a homeowners policy to be cancelled for claims, some will. ALL states will allow you to be cancelled, if you have a hazardous condition, and won't fix it.

Examples of hazardous conditions would be, owning a dog that's bitten someone, owning a trampoline, having an unfenced pool, having junk laying around your yard, not replacing your roof when it gets too old, not removing dangerous trees, not putting a railing on your porch, etc.

Some states will allow cancellation if you file more than one claim in three years. You'll have to discuss it with your agent.

Did you ever have a home burn down, did the insurance company cover everything for you?

Shopping for home insurance, did you ever have any problems or compliments to share about a home insurance company. Whats the insurance co's name

Fire is covered by all Homeowners policy but unfortunately, fire is not statistically the most common type of loss. Many homeowners insurance companies will do a good job for you. I generally would recommend the larger companies for financial stability (Hartford, SAFECO). Most independent agents can give you a quote from wither of these markets or find a good one for you that writes in your area.

It is very hard for insurance companies to cover "Everything" for anyone unless you were to have a list of every little thing you own receipts at the time you purchased the policy so they could make sure everything is covered. Even then, there are certain things that are not made to be covered under your Homeowners policy (i.e. your vehicle that was parked in the garage and uncovered under an Auto policy, your pets and a number of other things).

Good luck in your search!

Has anyone fought their home insurance company over a claim?

I have been told by a contractor I have hail damage on my roof, my insurance company denies it and won't cover me. I have been with them for 25 years, the contractor wants to meet with the adjustor at my home to discuss this but they say no, what should I do?

I've fought claims on behalf of my clients and won. Not something like a replacement roof, however.

I would call another contractor, tell him, hey, you're NOT going to get this job, but I'll pay you $100 if you give me your written opinion, honestly.

Because contractors are GOING to try to tell you your roof is bad – it's in their interest to sell you a new roof. Big question here – how OLD is your roof, and how much life do you have left in it?

See, hail damage is going to leave VISIBLE traces – sure, they might be small, but you should see SOMETHING – on siding, flashing, and asphalt shingles or tin, whatever your roof is made of. So how hard would it be to have a contractor take a picture of the damage they say is hail?? Then bring it to your AGENT, and let your AGENT fight that battle.