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State Farm Homeowners Insurance Review

Reviewing: State Farm Homeowners Insurance  |  Rating:
dc3886 By dc3886 on
Badge: Author | Level: 2 | Insurance Expertise:
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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.