Posted: 5/13/2009 8:46:22 PM EDT
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i have had their auto policy for over a decade, used them for my home owners insurance when i bought my home 3 years ago.
premium then was $666 the following year it was 750ish then last year it was $890 i called and bitched as this was not acceptable to me, considering the value of the home was depreciating due to the market. anyways they got me to 85oish for last year... in comes this years bill in the mail today. $985 that's right nine hundred freaking eighty five dollars! thats $319 more than when i first bought this house 3 years ago. time to shop around, looks like sentry insurance wants to price them self out of business. //rant off |
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That sounds like a total screw job. Mine is around $460 a year and actually went down from the original quote of $640. Of course thats with 3 vehicles also insured, an 800+ credit score, clean driving record, and the electrical in the house had been updated in the last 2 years prior to when I'd bought the house. From my limited experience of only owning 2 homes in the last 7 years, It seems like any electrical updates can have a significant impact on the policy price. Before that I was too paying about $900/yr. That house was about 20 yrs older than my current one and in a different neighborhood.
Not sure where you live but I have my policy through American Family Insurance in New Richmond, WI. Othere than the occasional billing mistake they've been pretty good to work. Only had to submit one claim with them since roughly the early 90's. |
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My buddy who works at Farmers (west coast tri-state region) said that this year homes are burning down at an alarming rate. Not including the Californian annual fires, take it for what it is worth. I guess people think, if you can't move it, burn it. V OUT I figured this would happen. Try Acuity. My agent just changed me to them. Seems good to me. |
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That sounds like a total screw job. Mine is around $460 a year and actually went down from the original quote of $640. Of course thats with 3 vehicles also insured, an 800+ credit score, clean driving record, and the electrical in the house had been updated in the last 2 years prior to when I'd bought the house. From my limited experience of only owning 2 homes in the last 7 years, It seems like any electrical updates can have a significant impact on the policy price. Before that I was too paying about $900/yr. That house was about 20 yrs older than my current one and in a different neighborhood. Not sure where you live but I have my policy through American Family Insurance in New Richmond, WI. Othere than the occasional billing mistake they've been pretty good to work. Only had to submit one claim with them since roughly the early 90's. home was built in 2000, so its not a fire hazard in regards to electrical. the agent tried to play it off that the increasing commodity prices(copper lead and such) were the main culprit of the rate hikes (that was his BS excuse last year, should be interesting to see what it is this year) i am going to be shopping around today. not going to even give sentry the chance to make their rates somewhat competitive, so SCREW THEM. i dont play that game year after year. my family has been with them for almost 2 decades now, everyone in my family left them because of these rate hikes. |
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Quoted:
Quoted:
My buddy who works at Farmers (west coast tri-state region) said that this year homes are burning down at an alarming rate. Not including the Californian annual fires, take it for what it is worth. I guess people think, if you can't move it, burn it. V OUT I figured this would happen. Try Acuity. My agent just changed me to them. Seems good to me. thanks for the tip, i will give them a try |
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Quoted: Quoted: My buddy who works at Farmers (west coast tri-state region) said that this year homes are burning down at an alarming rate. Not including the Californian annual fires, take it for what it is worth. I guess people think, if you can't move it, burn it. V OUT I figured this would happen. Try Acuity. My agent just changed me to them. Seems good to me. Yep, friction fires. Happens when the loan and insurance paperwork start rubbing together. |
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All the floodings last year didnt help much with rates either. My fave is them trying to 'force' us to get flood insurance. If a flood reaches my house, that means Janesville is COMPLETELY underwater. I doubt the rock river can rise 75' above flood stage.  We've lived here for 7-8 years, and never had a drop of water in our basement until last year when the sewers backed up. Rumor has it that some asshole that works for the city flipped a valve, but, nobody will admit it! 
We had just swithced our insurance to AAA, and to our surprise we had SOME coverage for sewer back-up, but, we still had a BIG tax deduction for our loss. 
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Quoted:
Quoted:
All the floodings last year didnt help much with rates either. My fave is them trying to 'force' us to get flood insurance. If a flood reaches my house, that means Janesville is COMPLETELY underwater. I doubt the rock river can rise 75' above flood stage. We've lived here for 7-8 years, and never had a drop of water in our basement until last year when the sewers backed up. Rumor has it that some asshole that works for the city flipped a valve, but, nobody will admit it!
We had just swithced our insurance to AAA, and to our surprise we had SOME coverage for sewer back-up, but, we still had a BIG tax deduction for our loss. you should install one of those one way valves for the sewer... its basically a valve that does not allow shit back into the house, this will divert more sewer material to your neighbors though... better to have and not need than need and not have... speaking of which, i need to order one up and install it. however im not sure if brookfield is prone to sewer backups |
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Quoted:
All the floodings last year didnt help much with rates either. My fave is them trying to 'force' us to get flood insurance. If a flood reaches my house, that means Janesville is COMPLETELY underwater. I doubt the rock river can rise 75' above flood stage. Well when the ice caps melt because of global warm.......................LOL |
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Quoted:
Quoted:
Quoted:
All the floodings last year didnt help much with rates either. My fave is them trying to 'force' us to get flood insurance. If a flood reaches my house, that means Janesville is COMPLETELY underwater. I doubt the rock river can rise 75' above flood stage. We've lived here for 7-8 years, and never had a drop of water in our basement until last year when the sewers backed up. Rumor has it that some asshole that works for the city flipped a valve, but, nobody will admit it!
We had just swithced our insurance to AAA, and to our surprise we had SOME coverage for sewer back-up, but, we still had a BIG tax deduction for our loss. you should install one of those one way valves for the sewer... its basically a valve that does not allow shit back into the house, this will divert more sewer material to your neighbors though... better to have and not need than need and not have... speaking of which, i need to order one up and install it. however im not sure if brookfield is prone to sewer backups I guess I've never heard of anybody putting a check valve in a sewer line, but, I wish I would have had one last year!! |
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Quoted: Quoted: All the floodings last year didnt help much with rates either. My fave is them trying to 'force' us to get flood insurance. If a flood reaches my house, that means Janesville is COMPLETELY underwater. I doubt the rock river can rise 75' above flood stage. Well when the ice caps melt because of global warm.......................LOL Well the ocean level will have to rise at least 831' then. Even if all the ice caps melt I dont see that happening. |