State Farm Homeowners Insurance Review
I've had State Farm Homeowners Insurance for 2 years. I am very dissatisfied with the price I paid. I got my insurance in 2005 when I bought my house. I expected to pay a little bit more when I bought my house because I was 18 when I purchased it. When I purchased my house I was paying $936 a year for $100,000 coverage for my structure. In 2006 my bill went up to $1,050 and my home value went up to $110,000. I figured the price increase was because of the home value increase so I just paid it and went on with my life. This year I got my bill and it said my new price was $1,256 for $111,000 coverage. I couldn't stand to pay that much when I know my parents pay $1200 a year on their home that is valued at $250,000. I called to ask several time over the two years I had State Farm if there was anything I could do to lower my bill and I was told I had the lowest price possible because I already had a multi-policy discount because I had my auto insurance with them, I had a fire hydrant within 1,000 feet of my home and I had a security system. I do want to add that the customer service in my local branch was horrible and anytime I asked any questions I felt like I was inconveniencing them and that they had more important things to do then answer any of my questions. The funny thing is whenever I went into the office to pay my bill it seemed to me like no one was ever busy working. Back to the prices, I shopped around with some other companies and found that Allstate could insure me for the same exact coverages for $750 a year. Needless to say I switched to Allstate and never looked back.
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Rank: 749th (
14)
ShareScore: 52%
City: Havelock
Age: 22
Marital Status: Married
Children: 0
Industry: Not Shared
Position: Not Shared
Income: $65,000.00 - $90,000.00
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Voted, thanks for the review! I will stay away from here in my search for cheap insurance. I am glad you found a better deal!
Customer service is key. If you cannot get them to answer questions and work with you when there is a minor issue, just imagine the nightmare if you actually had to use your policy! Nice review! (voted)
v:)
Ivoted, thanks for your input on your experience with State Farm. We have used State Farm for over 35 years for our home and auto coverage. It does depend greatly on the agent you have and we are lucky ours is one of the best and the main reason we stay with them We've never had a problem with a claim and it's nice that their office is just down the road. If you are unhappy with your insurance, of course you should change, and especially if you can get better coverage for less money somewhere else. We could probably same a few pennies going to another insurance company but won't because our agent is so great to work with. Great review and to buy a house at age 18 is remarkable!!!
Oh my....I'll stay away from State Farm! Thanks for the heads up on this one:0)... voted
great review. I liked it.
Wow, that price is pretty high, I pay a lot less than that for $200,000+ coverage on my home through Allstate. Glad you were able to find a more reasonably priced policy.
Sorry to hear of your experience with SF. We have had coverage with them for almost 20 years, and are very satisfied. We have a local agent that we know, which may help.
Very wise of you to switchto Allstate , since the service is poor and the price is high and ever increasing too.