Homeowners Insurance

[StrayNut]

What do you have, are you happy with them, did you shop around first? If you've had to file a claim, were they responsive and did they pay out as stated in the policy, or did they try to wriggle out of it (or flat out deny it)?

Especially interested in Liberty Mutual, Vermont Mutual, Commerce, and Amica, or other recommendations in MA. Also interested to know if you went straight to the specific company, or work with an independent insurance agent who represents different carriers.

[Degsy]

Wirelessly posted

Commerce. Had them for 12 years. One claim on house settled very quickly and efficiently. I use an agent. B.J Kirby in Whitman, MA. I talk to Maggie there. Very personable, very good.

[The Snowman]

I have Commerce, because I also have 2 cars, a motorcycle, and a trailer insured with them and the rates were good. It's the bundle mentality. I've been with Commerce for close to 15 years and haven't had a homeowner's claim yet (knock on wood).

I have had auto claims though, and they're usually very good with the whole process.

[schleppy]

Another vote for Commerce here. We haven't had it for long, but so far so good. Great rates too!

Our agent is Daryl Perry at Perry Insurance:
http://perryins.com/

[RandyO]

I recommend using an independent agent rather than dealing direct with the underwriter. they will shop around for you, explain things, help with claims, etc.

[kb1]

We use Amica, they are the best hands down. We've converted all our friends and family to Amica customers and have never heard a complaint ever.

- - - Updated - - -

I recommend using an independent agent rather than dealing direct with the underwriter. they will shop around for you, explain things, help with claims, etc.

No thanks, I would much rather eliminate the middle man. They might help you get the best price, but they definitely won't get you the best service when you need it.

[RandyO]

No thanks, I would much rather eliminate the middle man. They might help you get the best price, but they definitely won't get you the best service when you need it.

service is THE reason you want an independent agent. you still handle claims directly with underwriter but have someone to work for you if problems should arise

[Stromper]

Get replacement value on stuff used to be called homeowners 2
Jewelery and guns, insect damage are usually extra, not on basic service
Rising water as in floods, only Feds cover floods
You need at least 300K liability

Considering your a noob Randy is right should be about $700

Note If you call them about a problem and call it a claim and then raise your rates even if they don't cover it

[crowspeed07]

I have Commerce, because I also have 2 cars, a motorcycle, and a trailer insured with them and the rates were good. It's the bundle mentality. I've been with Commerce for close to 15 years and haven't had a homeowner's claim yet (knock on wood).

I have had auto claims though, and they're usually very good with the whole process.

Are you sure your bike is bundled? Only reason I ask is my house/truck is with a discount but they refused to include the bike they said some bs about how its always separate from everything else.

[nhbubba]

I have Liberty. I did not shop around. I use them because I know people employed by them in the service center in Dover. Never had an issue with them for the homeowners policy. Never made a claim.

I also have them for the car. They've effed up my billing for the last three years straight. I've about had it with them and may dump 'em.

The office in Portsmouth is my agent. They've always been helpful and apologetic for the billing fuckups.

[Sheppo]

Commerce here too. Cars, bike and house. Made 1 claim, no issues.

[kumpy]

I have Liberty Mutual for homeowners, flood, and 3 cars. Contact Sandra Maloney 508-238-5918 Ex. 52445. She's super nice girl, helpful, and motivated. Everyone I've sent to her, she was able to beat prices, and provide great customer service.

[gadget]

Allstate for all vehicles and home.

I have been very happy with them.

Two claims settled in 20 years with no hassles.

Bundling is a cost saver.

[StrayNut]

Thank you, guys!

[Stoneman]

State Farm here (Middleofnowhere, NH). We use 'em for everything. Never had a problem, although claims on anything have been few & far between...

[twing0]

Progressive. I have them for two years now and no issues so far but planning to claim for a roof repair. I got them from YepMarket.

[AEG]

Amica is an excellent company - great rep, great customer servise and claim handling.
Sure, I shopped around, why wouldn't you?! How else you find the best price (from the companies that made your list ofcourse).

[RandyO]

The past 35 years, I've used the same insurance agency, but switched underwriters a half dozen times. for different reasons, always $$$ considerations, one time I made a claim, when the next renewal came the price was jacked up, switched to another company. Then when I started running a home business, I had business considerations but at recommendation of agent, use same company for both, it will make things easier in event of claim

sure enuf, windy day tree falls on power line 300 feet from my house, does not knock power out but tugs on pole and my dropline enuf to rip meter off my house and send power surge into every circuit in my house, luckily, I was a believer in surge protectors but still had $5k in damage

when I made the claim on the business policy first thing I heard was no, your homeowners covers that. do which I replied, I don't care which policy, I have both with your company, claim check came within a couple days

had that company (Peerless) for over 20 years, last year, my agent had me switch to Hartford, I'm paying more for homeowners, but big savings on the commercial end with huge business auto savings