Homeowner's Insurance Questions

[salilsurendran]

Hello,
Right now I have my home owner's insurance with Amica. However, unfortunately they are charging me $573 which is more than double what AllState($273) is charging. I have read several places on the web that AllState is the worst insurance provider and Amica is rated high in the website badfaithinsurance.org. Wondering if all the bad hype against AllState is true and if sticking with Amica with higher premiums is worth it?

Here are terms of my current insurance:

A. Dwelling $ 100,000*
B. Other Structures $ NIL*
C. Personal Property $ 15,000*
D. Loss of Use $ 7,500*
Section II Coverages
E. Personal Liability $300,000
Each Occurrence
F. Medical Payments to Others $2,000
Each Person

 

[Guest]

Hello,
Right now I have my home owner's insurance with Amica. However, unfortunately they are charging me $573 which is more than double what AllState($273) is charging. I have read several places on the web that AllState is the worst insurance provider and Amica is rated high in the website badfaithinsurance.org. Wondering if all the bad hype against AllState is true and if sticking with Amica with higher premiums is worth it?

Here are terms of my current insurance:

A. Dwelling $ 100,000*
B. Other Structures $ NIL*
C. Personal Property $ 15,000*
D. Loss of Use $ 7,500*
Section II Coverages
E. Personal Liability $300,000
Each Occurrence
F. Medical Payments to Others $2,000
Each Person

i find it hard to believe you only have $15,000 in personal property.

EVERY single insurance company you research will have bad reviews/someone bashing them/someone not happy with their claim.

BE AWARE thou, since you are NOT an agent, most companies have 3-5 different types of homeowners insurance policys. So cheapest obviously isnt always the best.

You HAVE to make yourself aware, as a consumer, of what you are actually buying.

 

[NCAgent]

Is this a dwelling fire policy???

You need to have someone review that thing, there is probably a reason why there is a rate discrepancy like that...

 

[TeePee]

Is this a mobile home policy?

 

[iiinycboi]

looks like a DP since the loss of use and personal property doesn't relate to the coverage A....

make sure you're getting the same covered perils.