Who are the best and worst homeowners insurance companies?

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  • #5480
    savory_glamour
    Member

    My insurance broker was a lifesaver. They got me a quote that was at least $300 cheaper per year than the cheapest of the 8 or 9 quotes I found myself, and the coverage was far better. This shows how helpful it can be to have someone shop around for you.

    #5479
    WaryNobody
    Member

    When I decided to bundle my home and auto insurance, I was surprised to see that the discount on my car insurance was significant. It basically covered the cost of the umbrella policy I added, making it feel like I got it for free. This bundling strategy definitely saved me money.

    #5478
    PM_ME_YOUR_WAISTCOATS
    Member

    I make it a point to shop around for home insurance every couple of years. The last time I did this, the yearly estimates I received for my small house varied wildly, from a low of $732 to almost $6,000 for the exact same coverage limits. It really opened my eyes to the importance of getting multiple quotes.

    #5477
    TheBleakOpposition
    Member

    After my house suffered major damage from a natural gas explosion (which wasn’t my fault), Travelers covered our temporary housing, including a hotel and then a rental home with furniture, which amounted to a positive experience despite the stressful situation. This coverage helped us immensely during a difficult time.

    #5476
    VerballyThreadbare
    Member

    I had a terrible experience with Mercury Insurance after a flood in my condo. I went for their low quote initially, but I ended up living with massive holes in my ceiling and missing walls for almost 5 MONTHS because they were so unresponsive. Sometimes the cheapest option comes with significant downsides.

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