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View Diary: My Car Insurance Company Tried to Screw Me Post-Sandy. I Beat Them. (104 comments)

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  •  I had Zurich homeowners for a while (after (5+ / 0-)

    Farmers cancelled me, then Zurich cancelled me... lol). I got something like Foremost or something who also cancelled me. I ended up getting a very expensive insurance  for people who are refurbishing their homes, which you can only get for two years or something.

    I live in a high fire area and all the sudden back in 2008, BAM... cancelled. Everyone around me... cancelled.

    Wish I could get USAA, but don't qualify.

    202-224-3121 to Congress in D.C. USE it! You can tell how big a person is by what it takes to discourage them. "We're not perfect, but they're nuts."--Barney Frank 01/02/2012

    by cany on Mon Dec 03, 2012 at 06:17:14 PM PST

    [ Parent ]

    •  City or rural? (4+ / 0-)
      Recommended by:
      cany, Mets102, Tonedevil, YucatanMan

      There are often very small mutual companies that traditionally wrote for rural areas. There are also Farm Bureau affiliated insurers that are larger and also write in some areas that are hard to insure. In cities with high rates of fire, it can be more of a challenge and the companies that are willing to write property insurance in your city are often local mutual insurers that don't advertise outside your state.

      The GOP is the party of mammon. They mock what Jesus taught.

      by freelunch on Mon Dec 03, 2012 at 06:25:28 PM PST

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      •  Rural OC. Everyone (or most, now) are on CA (4+ / 0-)

        Fair Plan.

        202-224-3121 to Congress in D.C. USE it! You can tell how big a person is by what it takes to discourage them. "We're not perfect, but they're nuts."--Barney Frank 01/02/2012

        by cany on Mon Dec 03, 2012 at 06:31:21 PM PST

        [ Parent ]

        •  Sadly in a place like that (2+ / 0-)
          Recommended by:
          Mets102, cany

          Even the most fair price is going to be eye-popping to people who live in small cities with great fire protection and no hurricane exposure. State access plans are the only reasonable choice unless you have a concrete bunker that won't even notice a wild fire.

          Assigned risk pools probably work better than state-sponsored companies for high risk areas. Citizens - Louisiana and Citizens - Florida have been too successful at attracting new policyholders. If either area has a large hurricane in the next year or two, the taxpayers may be asked to pick up a big tab for the inadequately priced insurance.

          The GOP is the party of mammon. They mock what Jesus taught.

          by freelunch on Mon Dec 03, 2012 at 06:43:09 PM PST

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          •  Yep, it's VERY pricey AND you have to get (1+ / 0-)
            Recommended by:
            Mets102

            liability insurance separately and flood/mud/birds falling from the sky and general anything-might-happen insurance, too.

            This year, they also imposed an additional state fee on us. THAT I am fighting because they have already said they won't defend us in wildfire, so why should I pay it? Last time they drove through--past fires and through fires--to get to a new development to defend them and let neighbors in another canyon burn.

            If I thought they would actually help us, i wouldn't mind paying. But we all know they won't. I don't blame them, actually.

            202-224-3121 to Congress in D.C. USE it! You can tell how big a person is by what it takes to discourage them. "We're not perfect, but they're nuts."--Barney Frank 01/02/2012

            by cany on Mon Dec 03, 2012 at 06:48:50 PM PST

            [ Parent ]

    •  We ended up on USAA in Alabama (0+ / 0-)

      Because of the tornadoes everyone was being cancelled here.

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