Auto & Home Insurance Companies: the Good, the Bad, and the Ugly?

Everyone wants a good price on auto & home insurance. But people also want to avoid the bad insurance companies that deny claims all the time. An affordable price for your car insurance and homeowners insurance is important, but you also want to choose a company that pays claims and does not hassle you.

Some people believe all insurance companies want to sell insurance, but none want to pay claims. Other people think some insurance companies are honest and pay claims, and other companies are dishonest and weasel out of paying legitimate claims. Some people think bad insurance companies automatically deny any claims over a certain dollar amount.

Many car & home insurance buyers have misconceptions about insurance companies, leading them to make mistakes they regret when they have a claim. This blog post will tell you about these misconceptions and mistakes, how to avoid them, and how to make better decisions when choosing your insurance company and coverage. Continue reading

Home Insurance Claims: Company Ratings for Property Claim Satisfaction in 2012

As readers of my blog know, I really like the annual JD Power insurance studies, and I think people should use the studies as a measure of customer service, instead of online customer reviews. Of the annual JD Power insurance studies, none are more important than their annual claims satisfaction studies. Today’s blog post reviews the raw scores and ratings for the 19 major home insurance companies included in the JD Power 2012 Property Claims Satisfaction Study. Continue reading

Why Do Some Insurance Companies Ask So Many Questions?

If you have received an auto insurance quote online, or you have called an insurance company or agency for a home or car insurance quote, you know insurance companies ask a lot of questions before they give you a price. Why do insurance companies ask you for so much information, instead of just giving you the price quote you asked for? What do they do with your information? Do they sell it? Why do some companies ask for more information than others? In this blog post, I will answer these questions, and tell you how to get the insurance agent or company representative quoting you to do their best to give you the lowest insurance rates for the coverage you need, and all the discounts you deserve. It’s worth it to you to read this entire blog post, so you know what’s going on when an agent quotes your auto or home insurance, and how you can use it to your advantage. Continue reading

Nationwide Insurance Phone Number for Recent Security Breach: How safe is your personal information with your auto or home insurance company?

Earlier this month, Nationwide Insurance had a database compromised, which resulted in the theft of confidential information for one million policyholders and non-policyholders. You may not be insured with Nationwide, but if you gave information to Nationwide for an insurance quote in the past, you may have been affected. If you think Nationwide might have your personal data, you can call this phone number, 1-800-760-1125, to see if your personal information was stolen. The information taken includes names, social security numbers, and other information, but no credit card information was supposedly accessed. Nationwide is notifying the people affected by this data breach, and offering free credit report checks and identity theft coverage. You can find out more about the Nationwide Insurance security breach, and links to articles regarding how several state insurance commissioners have reacted to it, by clicking the link to my Facebook page in this paragraph.

Computer hacking and theft of customer information from large companies is often in the news these days. This may be an even greater concern for customers of insurance companies, because unlike a retailer like Barnes & Noble, insurance companies are usually in possession of their customer’s social security numbers. This blog post will give you some tips on how to minimize your risk while shopping for insurance, and warning signs showing your insurance company or agent is putting you at greater risk of having your personal information stolen. Continue reading

Choosing an insurance agent: Questions to ask before you buy

Most people do not know the important questions to ask, or what to look for in the replies of an insurance agent, to know if an agent is deserving of your business. This blog post will give you tips on what questions to ask, and how to ask them. so you are able to see through empty claims of great customer service & expertise.

If you have visited the “about us” section of almost any insurance agency web site, you read the same things: Our customers are the focus of our business. We are committed to personal service. We work hard to get you the coverage you need at a low price, etc. The truth is anybody can claim to provide a high level or personal customer service, and just about everyone claims to provide it. Continue reading

Choosing an insurance agent: What to expect from a good agent

I started this blog series about how to choose an agent, telling you about the hype you hear from every agent, usually in a confident, friendly manner: “I have many years experience. I represent a large, old, financially stable company with 24 hour claims service. I’m an independent agent, and I can shop the home & auto insurance market for you (except I don’t tell you I don’t represent some of the biggest & best companies). I put my customers first. Yadda, yadda, yadda.”

There are lots of well-established, financially strong insurance companies. Most companies have 24 hour claims reporting. Almost all of the reasons agents tell you why you should insure with them are not unique, and they are common among all insurance companies. If other companies offer the same benefits, why shouldn’t you choose the company with the lowest price?

Some agents do add value with the service they provide, and this blog post will show you how to recognize this value, and allow you to tell the agents really putting their customers first, from the majority of agents merely claiming to put their customers first. Continue reading

Choosing an insurance agent: Your agent’s office location

How important is it for your agent’s office to be close to your home or work? For a lot of people, this is an important factor for choosing an agent. But for most people, choosing an agent based on the agent’s office location can be a mistake. Depending on your needs, the location of your agent’s office may not be important at all. This blog post will tell you when having an agent close to you is important, and when choosing the agent closest to you is a mistake. Continue reading

Choosing an insurance agent: Referrals

One thing recommended to insurance shoppers, often by objective sources like your state’s department of insurance informational brochures, is to ask your friends, family, & neighbors for their opinions about insurance companies. In my opinion, personal referrals are not useful in making sure you will get good customer service from your agent or insurance company. This blog post will explain why referrals are not reliable, and where to find more objective measures of customer service, so you can avoid having problems when you most need the help of your agent or company. Continue reading

Choosing an insurance agent: Check for license & complaints

Whether you buy your insurance from an agent, or directly from the company, you need to make sure your agent or company is properly licensed in your state to sell the type of insurance you are buying, and see if there has been any complaints or disciplinary actions against your agent or company. Continue reading

Choosing an insurance agent: Is your agent any good?

Do you have a good insurance agent? Most people find out the hard way when they have a problem or a claim. This is the first in a series of blog posts giving you tips on how to find an excellent agent and avoid bad ones. The first thing you may think, is you can avoid having to worry about finding a good agent by not having an agent at all, and buying direct from the insurance company. Doesn’t it cost more to have an insurance agent? Isn’t it cheaper to buy direct, anyway? Continue reading

District of Columbia (DC) Home Insurance Reviews: Complaint Ratings for Top Companies

Does your Washington DC home-owners insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your company any good? Most consumers fail to check the complaint records of their insurance companies. This blog post ranks thirteen of the largest DC home insurance companies based on their 2011 JD Power customer satisfaction ratings, and links to a review with each insurance company’s complaint record. Find out the best & worst companies. Continue reading

Wyoming Auto & Home Insurance Reviews: Complaint Ratings for Major Companies

Does your insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your company is good or bad? Most consumers fail to check the complaint records of their automobile & property (homeowners, renters, mobile home, rental dwelling, condo, etc.) insurance companies. Here I provide complaint information for insurance companies selling auto & residential property insurance in Wyoming and rank them, from best to worst, based on their 2009, 2010, & 2011 Wyoming complaint record. Continue reading

Wisconsin Home Insurance Reviews: Complaint Ratings for the Major Companies

Does your homeowners, condo, mobile home, or renters insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your company is any good? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for twenty of the largest (by market share in Wisconsin) insurance companies and rank them, from best to worst, based on their 2010 national home insurance complaints. (Accurate 2011 data not available yet). I also list fifteen insurance companies you may want to avoid, with a higher than average number of home & renters insurance complaints filed against them in Wisconsin. Continue reading

Virginia Home Insurance Reviews: Complaint Ratings for 50 Top Companies

Does your home insurance company have many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your property (renters, home, condo, dwelling, or mobile home) insurance company good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the fifty largest insurance companies insuring residential property in Virginia and ranks them from best to worst, based on their 2010 national homeowners insurance complaint records (Accurate 2011 complaint records are not available yet). Continue reading

Vermont Home Insurance Reviews: Complaint Ratings for Leading Companies

Does your property (homeowners/condo/mobile home/renters) insurance company have a huge amount of customer complaints? Will you have any problems placing a claim, or have a valid claim delayed or denied? Is your insurance company good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the major insurance companies selling property insurance in Vermont, and ranks them from best to worst, based on their 2011 JD Power homeowners insurance customer satisfaction rating. National homeowners insurance complaint ratings for their subsidiary companies are available by links to insurance company reviews on my website. I also list complaint ratings for several large regional home insurance companies selling property insurance in Vermont, not rated by JD Power. Continue reading

Utah Home Insurance Reviews: Complaint Ratings for 21 Top Companies

Does your home insurance company have many complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your home insurance company is good or bad? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the twenty-one largest (by market share in Utah, based on premium) property (home/renters/condo/mobile home) insurance companies & rank them, from best to worst, based on the average of each company’s Utah homeowners insurance complaint record for the last three years — 2008, 2009, & 2010. Utah complaint data for 2011 is not available yet. Continue reading

How much is home insurance? Rates increased 19% Nationwide in 2011

Today’s Insurance Journal has an article about a report from an online home insurance provider, homeinsurance.com, indicating national homeowners insurance premiums went up an average of 19% in 2011. According to the report, the typical premium for a new home insurance policy in December 2011 was $810 nationwide, up from $682 in January 2011. The quarterly RateReport data from homeinsurance.com represents approximately 15,000 policies sold across the United States with various carriers including Travelers, Safeco, Foremost, Liberty Mutual, The Hartford, and ASI/Ark Royal. This blog post will tell you what you can do to reduce your price after a large home insurance rate increase. Continue reading

Tennessee Home Insurance Reviews: Complaint Ratings for 48 Top Companies

Does your property (renters, homeowners, condo, mobile home owners) insurance company have many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your property insurance company is good or bad when you need them to help you? Many consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the forty-eight largest Tennessee home insurance companies, and rates & ranks them, from best to worst, based on their 2010 national home-owners insurance complaint record (Accurate 2011 complaint records are not available yet). Continue reading

South Dakota Home Insurance Reviews: Complaint Ratings for 30 Top Companies

Does your property insurance company have many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you discover your home insurance company is good or bad when you need them to help you? Many consumers fail to check the complaint records of their home and auto insurance companies. This blog article gives you complaint information for the thirty biggest South Dakota home insurance companies, covering 90.24% of the 2011 home insurance market in the state, and rates & ranks them, from best to worst, based on their 2010 national homeowners insurance complaint records (Accurate 2011 complaint records are not available yet). Continue reading

South Carolina Home Insurance Reviews: Complaint Ratings for 24 Top Companies

Does your home insurance company have a very large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your company any good? Will you have a bad experience when you need your home insurance company? Most consumers fail to check the complaint records of their car and home insurance companies. This blog post provides complaint information for the twenty four largest insurance companies selling property (homeowners, condo, mobile home, renters) insurance in South Carolina, and rates & ranks them based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet). Know about the best & worst insurance companies in South Carolina! Continue reading

Rhode Island Home Insurance Reviews: Complaint Ratings for 12 Major Companies

Does your home insurance company have a large amount of customer complaints? Will you have any problems placing a claim, or have a valid claim delayed or denied? Is your home-owners insurance company good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for twelve major insurance companies selling property insurance (mobile home, homeowners, renters, condo, rental dwelling for landlords) in Rhode Island, and ranks them from best to worst, based on their 2011 JD Power homeowners insurance customer satisfaction rating. National home insurance complaint ratings for their subsidiary companies are available by links to insurance company reviews on my website. Continue reading

Oklahoma Home Insurance Reviews: Complaint Ratings for 21 Major Companies

Does your homeowners insurance company have a very large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your home insurance company any good? Will you have a bad experience when you need your insurance company? Most consumers fail to check the complaint records of their auto & home insurance companies. This blog post provides complaint information for twenty-one major Oklahoma home insurance companies, including the 10 largest home insurers in Oklahoma, and rates and ranks them based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet). Be aware of the best & worst insurance companies in Oklahoma. Continue reading

Ohio Home Insurance Reviews: Complaint Ratings for 27 Major Companies

Does your home insurance company have a lot of policyholder complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your homeowners insurance company is any good? Will you find out it’s bad when you really need it? Most consumers fail to check the complaint records of their insurance companies. This blog post provides home insurance complaint information for 27 major insurance companies selling home & renters insurance in Ohio, and ranks them from best to worst, based on their 2009 home & renters insurance complaint record in Ohio (The latest year where state data is available). Continue reading

North Dakota Home Insurance Reviews: Complaint Ratings for 20 Top Companies

Does your home insurance company have many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you discover your insurance company is good or bad when you need them to help you? Many consumers fail to check the complaint records of their home and auto insurance companies. This blog article gives you complaint information for the twenty biggest North Dakota home insurance companies, covering 88.8% of the home insurance market in the state, and rates & ranks them, from best to worst, based on their 2010 national homeowners insurance complaint records (Accurate 2011 complaint records are not available yet). Continue reading

North Carolina Home Insurance Reviews: Complaint Ratings for 28 Top Companies

Does your home insurance company have lots of customer complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your company is any good? Will you find out it’s bad when you need it? Most consumers fail to check the complaint records of their insurance companies. This blog post provides North Carolina home insurance complaint information for 28 of the biggest (by market share in North Carolina, based on each company’s home insurance premium collected in the state) insurance companies and ranks them, from best to worst, based on their 2010 home insurance complaint records (Accurate 2011 data not available yet). I also list 8 more companies with a high number of home insurance complaints in North Carolina. Read these lists & don’t get stuck with poor service when you need it the most! Continue reading