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Old 12-09-2012, 12:09 AM
 
2,728 posts, read 7,348,256 times
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What's everyone recommend for homeowners insurance in our area. The popular ones would be USAA, GEICO partners, and Progressive. What are some of your stories? TIA
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Old 12-09-2012, 01:10 AM
 
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We've used Allstate for years.
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Old 12-09-2012, 04:15 AM
 
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I had State Farm for many years until they jacked my rates up so bad (no claims either). Went over to USAA and that's been good too. Actually this year was the first year in probably 10 years that I had a significant premium hike.

I've never had a claim.
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Old 12-09-2012, 06:39 AM
 
Location: Ashburn, VA
989 posts, read 2,466,785 times
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We used to use Allstate but they continued to raise our rate every year (with no claims). They'd always back it down when I called them but it wasn't worth the hassle. One year we got a 30% increase from them. When I called, they told me it was a "general adjustment" which they defined as an across-the-board increase for all their customers to cover claims they'd had to pay out the prior year.

I have since switched to Liberty Mutual and so far, so good (no claims though).

I've heard USAA is the premier insurance company and will pay out without a lot of hassles. We found them to be a little high in their rates but I guess you get what you pay for.
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Old 12-09-2012, 06:50 AM
 
Location: Alexandria, VA
11,363 posts, read 20,154,735 times
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We've had Erie for many, many yrs. - only had one claim yrs. ago (hail and wind damage to our dormer siding) - there were no hassles at all.
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Old 12-09-2012, 08:26 AM
 
223 posts, read 429,170 times
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Nationwide........different agents give different prices. NoVa really doesn't have the exposure to large scale disasters that a lot of other places have. Median house should be under 600 per year. Plan on changing every few years, they do tend to be cable company like...next thing you know you got another bill that looks like a mortgage payment.
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Old 12-09-2012, 09:49 AM
 
Location: Censorshipville...
2,676 posts, read 6,238,435 times
Reputation: 1543
I've been with Statefarm for my primary since 2003 and on an investment property since 2009. I've never had a claim so I can't say how that process goes. The primary insurance fluctuates, but it actually went down in 2012 from 2011. There are some years it has gone up, but if it's a $50 increase I'm not going to waste the time price shopping. It's actually lower than what I was paying in 2003 so go figure. I have my autos with them and they give discounts for them and other things so that probably helps.

I just price shopped my auto insurance 2 weeks ago and no one could drastically beat them in price. I'm not switching to save $20, too much paperwork is a hassle. One agent I spoke to says you get price breaks for being a long time customer. I have Progressive for my motorcycles and noticed on their website that they have different levels of membership depending on how long you've been a customer so I guess there is some validity there. Progressive beat out the prices for motorcycle insurance so I switched from Statefarm.
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Old 12-09-2012, 04:30 PM
 
2,728 posts, read 7,348,256 times
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Thanks forum, appreciate the feedback
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