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Old 06-04-2009, 07:44 PM
 
Location: Succasunna
18 posts, read 50,515 times
Reputation: 13

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I don't think NJM has 6-month policies, only 12 month. You should check.
Their rebate/dividend is generally 5%.
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Old 06-04-2009, 08:20 PM
 
Location: Ridgewood
302 posts, read 1,054,922 times
Reputation: 142
Amica also gives out dividend chaecks at the the end of the year. Great reputation for customer service.
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Old 06-04-2009, 09:41 PM
 
Location: NJ & NV
3,706 posts, read 5,739,091 times
Reputation: 1151
One thing about NJM, they are picky and mosy about things, want to know lots of things like other people in the house, copies of their policies, etc.
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Old 06-04-2009, 09:52 PM
 
Location: NJ
11,698 posts, read 21,515,552 times
Reputation: 4487
Quote:
Originally Posted by gawalisjr View Post
I don't think NJM has 6-month policies, only 12 month. You should check.
Their rebate/dividend is generally 5%.
only 12 mos, and yes, generally 5% although I've gotten 10 in the past.
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Old 06-05-2009, 02:56 AM
 
Location: Long Branch
390 posts, read 1,002,552 times
Reputation: 100
I inquired about NJM but they wouldnt insure my house due to age and proximity to the ocean. So I have been forced to use Liberty Mutual who insures my car.
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Old 06-05-2009, 07:15 AM
 
33 posts, read 95,363 times
Reputation: 23
Did you ever have to file a claim with your homeowner insurance company? What was your experience?
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Old 06-05-2009, 09:21 AM
 
Location: Ocean County, NJ
195 posts, read 657,155 times
Reputation: 89
I have Geico for my car. No one has been able to even come close to their prices. I also get some sort of extra discount with them because I've had them since they first came to NJ.

I have Selective for my homeowner's insurance. I can't rate their service as I haven't had a claim, but their prices were also the best in terms of value.
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Old 06-05-2009, 09:59 AM
 
Location: Nashville, TN
2,866 posts, read 6,183,374 times
Reputation: 620
Quote:
Originally Posted by TimidGuy View Post
Did you ever have to file a claim with your homeowner insurance company? What was your experience?
I did, a Huge Claim. My underground oil tank leaked, passing into groundwater. This started in May 2004, got approval to do it in Oct, Ran into some problems as my contracter did not have a Herical piers company, but finally did. All was approved and they started work in Dec 2004. There were many more approvals to be made as total bill came to $235,000 but State Farm did pay it all. All was not completed with NFA letter until Aug 2005.


Diane G
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Old 06-05-2009, 10:24 PM
 
587 posts, read 1,301,048 times
Reputation: 214
Quote:
Originally Posted by forcedfx View Post
I have Geico for my car. No one has been able to even come close to their prices.
+1. Geico for cars, travelers for house, Rider for motorcycles
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Old 06-07-2009, 02:07 AM
 
Location: Long Branch
390 posts, read 1,002,552 times
Reputation: 100
Quote:
Originally Posted by Diane Giam View Post
I did, a Huge Claim. My underground oil tank leaked, passing into groundwater. There were many more approvals to be made as total bill came to $235,000 but State Farm did pay it all. All was not completed with NFA letter until Aug 2005.
Diane G
Mine only cost $10,000. Allstate got off easy. Although they did drop me after the claim
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