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Old 06-05-2012, 10:14 AM
vzx vzx started this thread
 
17 posts, read 33,378 times
Reputation: 16

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We're closing on our house this week and have to decide on a home+auto insurance policy. Being a first time home owner, I don't really know a lot about which insurance company is better. I've had AAA for my auto but never had to file a claim - basically never had to deal with an insurance company.

The two quotes I'm interested in are:

State Farm: ~1200 for home (built in 83, 3200 Sq Ft, Carmel) and ~ 750 for auto (single car, single driver, no accidents/tickets)

Liberty Mutual: ~ 750 for home and ~ 600 for Auto

Obviously the coverages differ slightly in each. but statefarm did not want to decrease their coverage.

Has anyone had any experience with these companies? which one would you recommend or prefer? Need some help from the community
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Old 06-05-2012, 11:39 AM
 
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I have always used Nationwide and have all my insurance thru them to get the multiple policy discount. They have treated us well.
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Old 06-05-2012, 11:42 AM
 
3,004 posts, read 5,135,841 times
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I have combined Liberty Mutual for auto and home and it's pretty good, cheaper than most. Does that combined also take into account any discounts besides the combined policies? Also look at the deductibles. The higher the deductible the lower the cost. For LM, look at which policy you have, Home Protector plus is good but not as good as it used to be.
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Old 06-05-2012, 04:42 PM
vzx vzx started this thread
 
17 posts, read 33,378 times
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I looked up the policy in detail and actually the liberty mutual quote is from their subsidiary SafeCo. Never heard this name before. Looked them up online and so far the reviews have been negative. But I guess that's the same for every other insurance company as most people only go online to publish negative comments

AAA called and their rates are comparable. 900 for home and 600 for auto. Even more confused now
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Old 06-05-2012, 06:16 PM
 
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I second nationwide
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Old 06-05-2012, 06:24 PM
vzx vzx started this thread
 
17 posts, read 33,378 times
Reputation: 16
I'll call nationwide tomorrow and see if they can send me a quote. So far I've got comparable quotes from AAA, SafeCo (liberty mutual) and Travelers
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Old 06-06-2012, 06:42 AM
 
3,004 posts, read 5,135,841 times
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Used to have nationwide until we filed a claim due to the storms in '07 I believe was the year for damage done to the roof. Once we did, they paid for it and then dropped us because we filed a claim. After that, I swore Nationwide would never get another dime from me so we took everything away (They dropped us for home so we took life and auto and told them to gth!)
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Old 06-06-2012, 08:35 AM
vzx vzx started this thread
 
17 posts, read 33,378 times
Reputation: 16
Decided to go either with travelers or AMICA. Leaning more towards AMICA. Yearly premium difference is about $300. Not a lot in the grand scheme of things.
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Old 06-06-2012, 08:41 AM
 
Location: Englewood, Near Eastside Indy
8,954 posts, read 17,220,632 times
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I use Traveler's; they've always been overly pleasant to deal with; though I've not filed a claim or anything. They did assist with a billing gaffe though.
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