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Old 01-16-2008, 08:25 AM
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Default Homeowners Insurance

My Home owners insurance just went up 40%. Does anyone have a recommendation for a good Insurance agent in the local area. I so have a wood shake roof and that has been a problem for some.
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Old 01-16-2008, 09:10 AM
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I use Farmer's Insurance Exchange, Ladonna Sheel 303-469-1778
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Old 01-16-2008, 09:35 AM
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I am with State Farm.
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Old 01-16-2008, 09:37 AM
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Quote:
Originally Posted by Shark Bait View Post
I am with State Farm.
Me too, seems pretty reasonable.
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Old 01-16-2008, 10:04 AM
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Travelers is a good company, might not be the cheapest but buying cheap homeowners is like buying a cheap motorcycle helmet

- if you have a $2 head buy a $2 helmet.
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Old 01-16-2008, 10:10 AM
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I would echo the good reports on State Farm. I also had a wood shake roof. When we bought the house 6 years ago, my insurance company (Allstate) required me to have repairs/maintenance done to the shingles before the would cover the home. No big deal, I had the work done and then promptly switched to Colorado Farm Bureau Insurance because I was a bit tourqed with Allstate.

Long story, short I'm with State Farm because Colorado Farm Bureau left me hanging after a hail storm by refusing to replace my shake shingle roof when all my neighbors were getting their roofs replaced. My neigbors were mostly with State Farm, so that is how I ended up with them.
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Old 01-16-2008, 10:10 AM
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I have been with Travlers for 10 years without a claim. The fact my bill went up 40% in one year really irks me. The uped the replacement costs on my house to something unrealistic and they said my option to change it is to get (pay myself) an appraisel of the home and send it in and they may look at it.
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Old 01-16-2008, 10:38 AM
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Sorry to hear that about Traveller's, I was about to recommend them.
We use an insurance agency that represents more than one company; they have been pretty good about suggesting alternatives when this sort of thing happens.
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Old 01-16-2008, 10:40 AM
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I've been with State Farm on everything for years. Very few claims but all handled promptly and professionally. I think about that every time I see an ad for cheaper insurance. When I lost my roof to hail a couple years ago I sent them the estimate, they cut me a check - deductible, no haggling, no problems.
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Old 01-16-2008, 10:42 AM
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not to hijack but has anyone heard about the new uninsured motorist law and companies raising rates because of it?
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