Just got my renewal from American Family and they raised my homeowners 45%! Plus raised wind and hail damage deductible an additional $1,000. That was on top of raising it 34.25% last year. Up 79.25% in two years. That's BS. Cars went up 28% this year for a 2 year total raise of 43.5%


I haven't a a single claim in 30 years. Tell me again how they try to keep good customers by not taking advantage of them.


Meeting with agent next week and see if it's time to move on.

My home went up 26%, auto went up 9%, and I work for them.

Most of the insurers are not profitable in recent years. They've struggled to figure out how to properly underwrite/price in the post-covid era, in particular with auto. Auto claims costs have increased a ton, and continue to go up. Bad pricing + more expensive claims = what you're experiencing. Home is a complete train wreck in some states, especially FL and CA.

I could have lived with 26 and was expecting 20 something but not 45,

They really are robbing Peter to pay Paul when it comes to home. It's a total mess, and consumers are getting stuck.

Try hiring a contractor to fix or replace anything. It costs about twice as much as it did a few years ago. Materials are way up, labor is way up. That drives the claim costs way up which drives premiums up.

Maybe they spend too much $$ on stupid TV commercials.

Ain't that the truth

If house is paid off, at what point does it make sense to self-insure?
After the hurricanes in the 90s, I remember a father in law went that route.
They had, at that time, a $500k house near the beach.
Insurance was going to be $30k, he bailed.
Not sure how long he stayed without insurance, but never had a claim in the 30yrs since.
He died 5 yrs ago, but the wife is still there.

Not advertising is a surefire way to make a bad thing worse. :shruggy; The advertising budgets are a drop in the bucket compared to the real problems I mentioned above.

🎯

Thats a good question and it also carries over to our cars. About 3 months ago USAA self adjusted my auto policy for the miles driven per car to there std. setting where in reality out of 12 vehicles I drive a total of less then 6k miles per year. I also had been keeping full coverage and all that goes with it one some old drivers just because it has not been that costly until the last few years as everyone knows.

So I sat down and did the math for what a windshield for this car or what this would cost if I had a deer strike ect. To sum it up for me it has meant a $2600 cut in my auto insurance policy every six months to what really fits my needs and ive taken the saved money the past few months and put it in an drawer to cover what some of the smaller things would be that I might encounter and will for a few more months.

I sorta feel USAA screwed themselves because ive had two claims in the last 20 years a $1600 deer strike and a windshield. So while im putting more of the risk on me I can only go by the past and what I see are my needs. Had they of left me alone they would of been still collecting over 5k more per year from me with no claims. Ive had USAA since the late 70-s and really dont want to shop around but like many things current it looks like the ins. industry needs a serious evaluation and changes made.

That's nuts for a two year increase. By my math, if it went up 34.25% last year and another 45% this year, that's an increase of almost 95% from what you paid two years. That's just stupid. May be time to start shopping for a new carrier.

i had the same experience with Am Fam. 4 cars ( two classics) house, business, life, workman's comp. only a few hail claims in 25 years. They jacked me 35+% on th e house alone, I bailed to Nationwide and got 25% back. Cars about the same. I asked them to add up what I had paid them vs what they paid out to me, WHAH WHAH we lost money. Not on me you haven't.
So what about all the years they made $$$$. Oh that went to the exec's for doing such a good job BTW they expect that same level of compensation now as well.
So why not raise rates in areas that have cost more than stabbing everybody in the shorts? UHH then the exec's compensation would have to drop.
It's a scam right up their with loan sharking or running numbers IMO.
I write this as tornadoes ripped through here ~ 5 hours ago. Damage you bet. Did it flatten the town? NO but they'll cry and say they lost $$ Cumulatively, if one looks at the total they pull in annually in Omaha over 5-10 years, I'll doubt it
lets not even discuss fire insurance in parts of Ca. or who was responsible for those fires but barely got a finger pointed at them.

Glad to see our resident expert chimed in once again.

Agree that it's crazy high 2 years in a row. The problem we face as consumers is that everyone is raising rates, and by a lot. It's still worth shopping around for sure, but the chances of finding a better deal for comparable coverage are lower than they would normally be.

Insurance is like a big hole in the ground that you throw money in and get nothing out. When super storm Sandy hit the insurance companies had a heart attack. They screwed over most if not all of their claims. I sometimes think you have better odds at a roulette table than paying insurance companies. If i invest the money i spend on insurance for 30 years at least i get to keep it. I'm not advocating the government should take over but should some how oversee how they operate. What's the percentage of fairly reimbursed claims vs the people getting screwed? By the number of insurance commercials i see it explains who it's working out for.
linky

The root cause of problems like what was experienced after Sandy is that flood insurance and home insurance aren't the same. Home insurers will try to blame everything on flooding so that they don't have to cover the loss. In reality, most of hurricane related water damage issues are wind driven, which is covered by your home insurance. But the insurers are counting on you not fighting back or understanding the difference. Water damage does not necessarily equal flooding. This is why you really don't hear an abundance of complaints about car/motorcycle/rv/whatever claims after a hurricane, but you hear endless complaints about home claims. The other claims are straightforward. Home claims are not.

You do not want government controlled auto or home insurance. Regulated, yes. But we already have that. Government controlled? Definitely not. It would be infinitely worse for consumers. Government has made the insurance market in Florida untenable, and consumers are getting screwed. It's beyond repair at this point.

You guys keep complaining about advertising costs. Do you know how much is actually spent on advertising? It's nothing in comparison to claim costs and employee costs. Paying claims and running the company are the 2 big expenses, not the TV commercials you guys are railing about.

The insurance industry is one of the most highly regulated businesses in the US. There exists layers upon layers of protection for the customers. One issue is that when people file a claim, and the insurance company tries to short change them, most folks don't have the knowledge or the gumption to exert their rights and get a fair settlement. Why aren't the the attorneys all over property claims with TV ads and billboards, harvesting victims like they do with liability claims and class action suits? Because there is no jackpot for them. Property claims have very low payouts compared to tort claims.

Thinking of self insuring? What about liability coverage? Can you get it without property coverage? I can't. And liability is by far your biggest risk. Your risk is unlimited.

If someone came to me and said, Joel, if I give you $5000 a year will you pay any and all liability claims against me, including attorney's fees to defend against false claims, pay for any damage to my home including fire, tornado, wind, hail, sewer backup, or a tree falling on it, and pay for any damage to my cars - anything from a chipped windshield to a total, and pay for any damage I do to others vehicles or property, and pay my medical bills and those of anyone I injure, and the death benefits and liability of anyone I kill, I'd say you are out of your fricken' mind!

i wouldn't buy insurance from "FLO" if it were the LAST company on earth, and i faced the death penalty if i didn't buy some !

LOL they're doing just fine without you as a customer.

From what I see going on daily drop your insurance coverage and just get a go fund me when it burns to the ground.

I have heard of lots of people in FL who own their homes outright deciding to self-insure, which is a fancy way of saying they don't have home insurance. Unfortunately, if you have a mortgage, you have no choice but to either buy from a home insurer, or self-insure according to the requirements of the mortgage holder. Many mortgage companies won't allow you to self-insure at all.

We just got a notice today that our auto insurance is going up 300.00 a year...

In addition to my 26% increase, I had to pay an additional $688 to add my 16 year old to the policy. 😬

Ouch! No Flo discount Mike?

I get the same discounts anyone else would get for various things like AAA membership, good student discount, etc. The only employee discount I can get is either $50/year if I have home or auto, or $100/year if I have both.

Wow! Bunch of tight azz people you work for!

I have the same insurance company i had 30 years ago before all these "new" companies came out of the wood work. Back then there was no Flo, Emu or Jake. If it's regulated they have a awful lot of cash to throw at advertising instead to the people who need it. They should restrict the insurance companies from advertising like they did with Cigarettes!

I’ve had Erie car insurance since I was 16 ( now 68)
I bought my house in 1984 and added Erie home insurance
I built my shop in 1991 and added an Erie insurance policy to it.

Which of those companies do you think are "new?"

Companies that are trying to grow, or even tread water, have to spend money on trying to bring in new clients. Usually that involves advertising and building their agent network. Apparently, some insurance companies find that TV advertising pays off, or they wouldn't do it. The self-insured organization that I am involved with writes premiums at an overall anticipated loss ratio of 50%. That means if everything plays out in accordance with the actuaries projections, 50% of premiums will be paid in claims expense. Approximately 30% goes to administrative expenses, marketing, and commissions, the rest goes to accumulating state required financial reserves, and surplus (profit ). Insurance companies operate on a very similar basis.

Stop making sense.

A portion from the article:
Those who lose their insurance may have to join the California FAIR Plan, the state's insurer of last resort. Besides being expensive, Susman said that program has become so overwhelmed with applicants that it can now take weeks just to get a quote. And plan operators say one big wildfire could throw the whole thing into insolvency. There simply aren't many good options for homeowners in high-risk areas.

"When I say they have few choices, I'm being kind! Some may literally have no choices. If they're too large for the California FAIR Plan, then they're going to have to talk with a broker to try to get a policy that could be through Lloyds of London," said Susman. "And we could be looking at premiums -- without exaggerating -- of 30, 40, 50 thousand dollars a year! Outrageous! But that's exactly what you expect to see when there's no competition, right?"

But he said there could be hope for the future. The state is looking to change regulations that would allow insurers to price policies on a home-by-home basis, something that's not currently allowed. Susman says that should attract insurers back to the market, allowing them to assess risk on more factors than just a zip code.

Nothing FAIR about what's going on out there and I chose the colored text for a reason

I will also comment in my experience, Ca. is a "TEST Bed" for new scams by the big boys

^ This is what's also happening in Florida. For anyone who thinks government run insurance is a good idea, listen to these horror stories.



This is also not a good idea for most consumers, but it's very likely the way things will end up, at least in FL and CA.

Why not? Living in FL, it’s not fair for me, living way inland, to subsidize wealthy people living in million dollar homes on the beach.
My hurricane odds/damage would be a fraction of someone who lives on the beach, or within 7 miles of it.

They're not referring to rating one house differently from another. They already do that. What they mean is that insurers are going to be allowed to choose which houses to insure and which ones to not insure. That's bad for consumers. Currently, if an insurer writes home insurance, they have to at least provide a quote for any property that meets their policy definitions.

In many states, if an insurer writes auto business and also writes home business, the state requires that they offer both. That's an example of good government regulation, because without that, no one in FL would be able to buy home insurance because no insurer wants to sell it there. The auto market in FL is so big that they reluctantly will sell home to get access to auto. But FL home has become so bad that carriers are starting to walk away from FL altogether, giving up their share of auto.

i have been with erie since 1972. had nationwide in 1968 until the switch.
we bought our house in 1983, and added it to erie, and have been happy ever since.
we now have a "guaranteed rate" on the auto until we move or buy a new car, because we have been with them so long. i'm stuck here until i cash in, and unless the "bus" gets run over by a big truck it's not getting replaced, so no worries there.........
the house insurance went up a little this year, maybe $20.00 [?] but the replacement value went up as well. at least it didn't jump 100 or more !

The last two yrs my total insurance costs have decreased, not significantly but they have still gone down. In the past 10 yrs my homeowners insurance has increased by $300 a yr. Again over a ten yr period this is not significant. The insured value like your's has also gone up. Its more than tripled. Since 2007 I've had one claim. This yr they paid to replace my roof. The cost was 20k. When I retired in 2020 the cost would have been $7900. The cost of materials and labor has increased at a ridiculous rate. I'm sure my rates will go up in June. I'll know in about two weeks when I get my renewal. If you doubt the roof cost figures just stop. I traveled nationwide handling catastrophe claims for a long time (30 yr rep). I wrote my own roof estimate before I left and compared it to what was written. Everything was correct only the cost has changed.
The insurance companies actuarial scales can no longer keep up. Depending on where you live it isn't going to get better anytime soon.

That’s already happening, last 2 policies I’ve had required a home inspection, AFTER I had already paid the policy in full.
Went online and their reviews were terrible, many people complaining of paying the policy, then getting cancelled a couple of months later after the inspection.
They want to make sure the roof and water heater are below a certain age.
In my case they tried to get me to replace the hot water heater because it was 9yrs old, and 10 is a hard no.
But they “let me slide” because it’s in the garage.

What I described is not already happening, at least not yet. I'm talking about simply refusing to offer coverage at all to whomever they don't want to, for no reason other than they don't want to. Unfortunately, I think that's how things will end up, at least in FL and CA. The home inspection thing is actually quite common in areas that are prone to hurricanes and/or earthquakes.

Just had talk with insurance agent as our rates have increased a little over 30% in last 2 years. Same insurance company for 38yrs, (house cars boat) zero claims or tickets. Agent blamed many things, but some reasons stuck out and pissed me off. In Seattle area over 25% of people driving don't have insurance, then there is a huge amount of property damage and theft being done from criminal activities and finally the increases in fraudulent claims. Now add health insurance and property taxes going the same direction, retirement might be shortly enjoyed........... Something is really screwed up.........

Uninsured drivers have always been a problem. Fraudulent claim frequency hasn't really increased, but the cost of those claims has increased along with the cost of every other claim that's filed. Damage/theft from criminal activities is a drop in the bucket for your home/auto insurance, especially home insurance. Auto, it's largely a nonstarter unless you own a high theft vehicle (Kia/Hundai without the immobilizer, Charger/Challenger are good examples).

Health insurance is a whole different bucket of bees.

They definitely spend too much on damn golf tournaments yuk I'm tired of paying for those

How much do they spend on golf tournaments?

Im sure a lot of rate increase has to do with the increase costs of everything but I've been hearing more and more people the last few years talk about claiming every little thing especially for house issues. I don't know if it's people who are newer to owning homes or less knowledgable then before or what but it used to be that if your basement flooded, you had some wind damage, water damage from a roof leak or whatever unless it was an expensive repair you paid to fix it yourself. Now it seems like so many people are going straight to insurance or you see other people telling them to put it through insurance.

A major problem is people gaming the system for new roofs. “Hail damage.” I’ve watched the shady companies out on these new roofs. Some have to be reworked within months. From what I’ve been told, you can sign something and the roofer has a way to then sue the insurer for not covering the roof. Like they have a right to represent you and they have a lawyer well versed in this bs.

I know for a fact a next door neighbor went nuts in a roofer that said he would have to pay because the roof was just worn out. The guy was yelling about how it should be “hail damage” and he’d find somebody to get it done. In the end, the guy that got yelled at did the job and it was covered. Somehow. I’ve seen about 6 of these “hail damage” roofs go in on my street in the last two years. Somehow the hail missed my house??? But every one around me got it. Hmm.

I had my long time roofer out for a tune up, a legit outfit with a commercial division I’ve had on my job, and the lead guy said he won’t mess with people wanting him to scam a roof for them. This group isn’t the type that has call backs either.

I’ve come to view insurance as a lay away plan for new roofs. Somebody has to pay for all this nonsense. Like the guy that painted his brick house white and it looked bad because the roof was brown. He boasted to me one day that he was “lucky it had hail damage” so he got to switch it to black. Convenient, huh?

This happens all the time, and has for years.

Yeah, I get calls after a strong storm wanting to inspect my roof.
My roof is old but in good shape and has the most expensive shingle type there is.
I don't want to know the cost of replacement.

I don't know. I have everything with Farmers Alliance out of Kansas. Have had good service, reasonable rates (compared to American Family, my previous carrier) and I have never seen a Farmers Alliance commercial in any form of media.

That's a small regional company with a niche market. They don't really need to advertise much because they are not focused on growth. I would suspect their local agents advertise though. Billboards, a sign at the high school football stadium, that kind of thing.

"If you doubt the roof cost figures just stop. I traveled nationwide handling catastrophe claims for a long time (30 yr rep). I wrote my own roof estimate before I left and compared it to what was written. Everything was correct only the cost has changed.
The insurance companies actuarial scales can no longer keep up. Depending on where you live it isn't going to get better anytime soon."




i had the roof on the house and garage replaced several years back, before 2020, but i can't remember just how many years before.
at that time, the house was $7600.00 and the garage was around $6000.00.
today, it would be $30,000.00 or more !

I had a complete tearoff and re-roof done 2 summers ago. Including replacing 6 sheets of plywood, and installing gutter screens and heat cables on the lower level (split level house), it was $12k.

I had 42 square complete tear off and replacement with architect shingles 4 years ago $11,000. Neighbor had his done a few weeks ago. Same company. His roof was only around 36sq. $17,000.

I can't remember how many square mine was exactly. Likely somewhere between yours and his.

Then there's a few idiots like me that had 5-6 shingles blow off in a wind storm. Did i turn a claim in ? No, Did I when a tree fell and his the lower bldg. ? No,
Does that count? NO!! Did my insurance company care ? NO!!
on car insurance, how many accidents caused by cell usage go unreported? what is that cost ?
if they monitor your driving habits why not do the same for cell usage?
Someone mentioned Golf tournaments, I say exec salaries, bonEuses and other perks

What amazes me about the insurance market is how it seems to have no effect on home sales or prices. Where I live policies are constantly being canceled, forcing people into the fare plan. People gripe, but it seems to be just another cost.
A few years ago my home owners policy was canceled. I was looking at going from 2k a year to over 4k. My wife had a auto policy with USAA from a previous marriage. We were able to get a home owners policy with them for $1k! It has gone up some since then, but it is still under 2k. USAA is no longer writing policies in this area.

They only monitor your driving habits if you're dumb enough to volunteer to put one of their devices in your car. You want them to monitor cell usage? Without permission? Just have the right to do so? Not me, but you can feel free to volunteer.

Like you, I had damage from a storm at my house. About $10k in damage back in 2016. I filed a claim. My roof had 1 damaged shingle, which I fixed myself. The independent appraiser and a roofing company both told me they could get my roof replaced, and I declined because I had no other roof damage. I've written appraisals on plenty of roof claims over the years, I know how the game is played, but I was not going to partake in that.

USAA has a program to lower your rates that uses an app on your phone and they monitor cell usage.

Not sure if it matters to them if it is hands free or not ether.

Not going that route for anyone.

One of the things is that I put most of my miles, 50k a year, on the work truck. Maybe 1000 miles a year on my POV. I sure don't want to pay USAA for the miles I put on the truck. Not sure how they know your a driver or a passenger either.

Not A Charger? Is the insurance industry behind the scenes doing anything in the ways of understanding its 2024 and not 1980 and doing things to re invent the way insurance is handled? It almost seems this is another area that is running itself into the ground. Charging more, canceling policies does not seem like a plan for the future but rather a plan for the last one out please turn off the lights.

Hard not to feel like at times that the good old USA gravy train is coming to a screeching halt. Or are we just hitting a generational revamp of they way we live and how business is done?

Here again I think some of this but maybe a small amount is due to us Americans being cheap and wanting to cut corners. Just as mentioned about the roofs I think its worse on the automotive side. Business padding repairs by bilking the insurance companies, offering X amount and no cost and ways they can snake ones deductible or get this or that done for free as they say. Many seem to get made more then whole.

Its no wonder there is so little trust left in some areas.

The roofs are being scammed to a degree not seen before. Sure there have been grifters, always have in every way. To the amount I’ve seen in last ten years or actually less is a whole ‘nother level.

I can't speak for any other companies, but I can tell you that we are constantly discussing changes and improvements that can be made in every aspect of insurance. It's a daily discussion among managers and directors and executives. The big problem right now is that almost no one has figured out how to underwrite in the post-Covid environment. Outside of FL and CA, that's the issue that is most impacting insurers and consumers. We seem to be closer to figuring it out than the other major companies, which is why we've been profitable while no one else has been. But we're still not there yet. CA and FL are legislative nightmares for consumers when it comes to insurance.

Keep in mind, some of the things that are discussed are in response to consumer demand, even if those things might not actually benefit consumers. "Give the people what they want" is a powerful thing. For example, use of AI and customer provided photos to write certain estimates. A large segment of consumers have demanded convenience and speed when it comes to claim handling. Thus, the introduction of AI and customer provided photos. It is virtually impossible to write an accurate estimate using that format, but for the consumers who value convenience and speed above all else, it meets their needs...as far as they know. That same segment of consumers knows very little about collision repair and doesn't know that if they go this route and then fix their car, it will likely slow things down for them in the long run, not speed them up. If they go this route and don't fix their car, they will likely get a smaller check than they would have had they had their car inspected in person simply because we can't guess at what's damaged. We can only go off of what is visible in the photos.

There are definitely shops that pad estimates and work with customers to commit fraud, but there are also insurance practices that make life miserable for collision repairers. Goes both ways.

Not dumb. My new roof got damaged by falling limbs last summer so I went and bought more singles and made the repairs cleared up all the tree damage I could reach then hired a guy with a 90' backyard lift to remove all the broken limbs in the top of the tree before they could fall and cause more damage.

Insurance company doesn't even know it happened and have never had a car claim in the 30 years I've had them but still raised it 45 % this year. Meeting with them Friday morning. I'm told these days they want you to tell them when you put on new roofs or they're going to charge you as if it needs replaced. I've had 2 friends see about new companies and 1 wouldn't even right it without roof being replaced and other told the guy he had 30 days to get a new roof or the new company was going to cancel him.


Lets face it I have a stone house so unless I have a fire or take a direct hit from a tornado the roof is the only damage they'd ever pay.

Mike

A tree fell on my shop roof 5-6 years ago. Usually I would just cut it up but it was laying in such a way that if I started cutting I would have caused more roof damage. I called a professional tree cutter then I fixed my roof. I showed my insurance company but I had 600.00 total getting the tree cut and fixing my own roof. Not worth filing a claim.

Midwesterners should not have to cover people that choose to live on the coasts. Some areas should be uninsurable or self-insure.I read people that live on the coasts should only do so if their home is 10% of thier net worth and the can afford to lose it in a disaster. I agree. We have friends in Ft Lauderdale. Just off A1a. That dropped thier $12k/yr hurricane insurance on a little $750k house thats paid off. Said it kept going up every year.

Seems like the weather has becomne extreme everywhere. I used to fly from the MI to the southeast; Georgia, Alabama, Louisiana, for work. Everytime I was there, every other month, there would be torrential rains, flooded roadways, tornados or tornado damage. Here in Michigan. We get 8-12" of snow a couple times a winter and our summers are spectacular 80's-90's (yep, even this far north) with 20% of all the fresh water in the world surrounding us.

I moved to an island in Lake St Clair a couple years ago. I had to get a property survey and had to pay to find out I was in a flood zone. The flood insuarnce companies will only insure up to $250. I paid the house off and dropped the insurance. If my home floods, that sits 6ft above lake level, there will be bigger problems like THE END OF CIVILIZATION

Valid point on the passenger driver part. However the cost to all due to cell usage is only partially known as many less serious accidents are unaccounted for.
But the FCC reports in 2022 alone
How many other unreported accidents and what is the cost?

Face it, no one is that flipping important to take a human life or cause an accident over a D/A call, text, or other self centered entitlement. It has been proven more than once to be as dangerous or more than driving drunk. The President (not the current one) certain high ranking officials get a pass. Otherwise tough💩

So why do we allow it? because there's ALOT of 🤑🤑🤑🤑🤑 to be made by corporate America and it not just phones and cell carriers.
Myself, I say if the phone is moving more than 5 MPH, communication stops, PERIOD!!! Don't care if your on a bus, in a cab or whatever.
The privilege to do so it is not worth a human life or the cost we are being forced to pay as a society.

On the house insurance scam, Goes right back to the recent Ca. fires caused by who? PG&E, they knew for years of the potential problems but did NOTHING, NADA, ZERO. But they did way overpay their executives, the very ones that swept it under the rug before and AFTER. Charged? fined? jailed? you're joking right?
And PG&E? they were allowed to file for bankruptcy in anticipation of the lawsuits 🤬🤬🤬.
It was not just property lost but lives as well, both human, pets, and wildlife. lets not even discuss the environmental impact. After all there's no greenies in Ca.
Just pass it on to the middle class.
Yes, the insurance companies lost their backsides on those, so they strated excluding things,not writing policies, jacking the premiums when the did. HMM we got away with it there, so now lets go nationwide Florida? you live in the Hurricane area? Pay for the coverage or roll the dice, Your choice.
I paid extra for earthquake coverage when I lived there.

OK I think my conservative redneck views have been adequately stated. if it is deemed to political I tried not to be, but if it deemed so, just delete 🍻

Meet with agent yesterday and was able to trim a few dollars. On my house the biggest problem is replacement cost because it is natural Indiana limestone. It's replacement cost is $100,000 more than if it had vinyl siding.


Also he said I am grandfathered into a policy no longer available. He said their new policies and the industry are turning to a percentage deductible instead of a dollar amount so if you have a big claim it's going to cost you a lot more.

My car insurance has gone up $30/mo for the last 3 months with no changes, wrecks tickets anything. I want to take my fury off of "storage" insurance but I don't know if i can afford to....

I've been with State Fraud for over 30 years
I think it's time to shop around and give them the boot

State farm has a habit of canceling you if you have a claim.

Just switched from USAA to Allstate.

Was just short of $1900 every six months now $1100. Better coverage with the Allstate policy too. Homeowner's was less as well, but not nearly as much,

The joys of having an 18yo male driving a BMW on your policy, lol. When it was just me and the 51 it was $250 every 6 months, all quotes for full coverage.

We have state farm on the DD cars / truck.

And ours went down about $50 for 6 months policy this renewal period

This is not correct

Had a similar experience, mine dropped $60. Had a minor increase on the homeowners side if 7%.
New premium is only $1380.

Agreed, worked there 30 yrs and never ran into that except for claims within the first yr of the policy.

State Farm threatened to cancel me, and I never had a claim in over 30 years, house or car. I got a letter saying I had to replace all the broken and boarded up windows and put a new roof on the house or they were going to cancel. Problem was, I didn't have any broken or boarded up windows, and my roof was less than three years old. Went to my credit union and had them give me a quote after they did their appraisal. Got more coverage for less money. S-c-r-e-w S-F and whoever does their inspections.
I'm pretty sure they can't even read street names and addresses.

That's a big oops on their part. Mistakes happen. Don't blame you for looking elsewhere.

Used to be that way. Many in my family had SF and after one crashed a new motorcycle.. c ya... Another crashed a new convertible....c ya.

This was along time ago, like mid 80-s but that was the State Farm MO for many.

$61,000 to have my house and barn done. Removing old shingles and putting on new. Not kidding.

Was never that way. They weren't the largest insurance company (and by a huge margin) by making it habit to cancel people after a claim. No doubt it did happen to some people, but that happens to some people with any insurance company. But was never a "habit."

my house was built in 1872, and still had the slate roof. if i could have found someone who would have been able to replace a few slates, i would still have that roof today.
to shingle the roof would have been WAY more than i could have afforded, just because of the way the roof trusses and other parts were constructed, and that meant new trusses at a minimum, plus sheeting material and who knows what else.
so i bit my tongue and had a steel roof installed. i upgraded a couple of thicknesses to a sort of industrial quality, and also got the kind that doesn't have exposed fasteners/screw heads.
so far, so good, but as you and others have said, today, it would be a TON more money today, no matter what material one decided on using for the roof.
and trying to get people around here to do any work is a joke ! lazy bastages don't even want to show up for an estimate, even on jobs that would be very expensive and profitable for them...............
i have been trying to get someone to install a new counter top in the kitchen for years. "yeah, i'll be over tomorrow or the next day to take a look. sounds like a pretty easy project..............." then ya never hear from them again...............
and all the time around here, there are guys on the newz that take your down payment and never show up to do the work. especially doing this to the elderly, which unfortunately, i'm right there......
i bet my old man is laffin' his a$$ off from above, sayin' : "ya should'a listened to what i was tellin' ya about carpentry ! "...............
i can't pound a nail straight to save my a$$.

We've had a few claims over the years with state farm and never had them cancel a policy over it. I did move one vehicle to another company on my own after state farm screwed up and doubled the billing price and was too arrogant to acknowledge the problem.