Universal Property & Casualty Insurance Company Review: Ratings & FL Home Insurance Complaint Record

How good is Universal Property & Casualty Insurance Company? Who do you contact for a price quote? Today I’ll provide you with information about Universal Property & Casualty Insurance Company to help you decide if they are the best property insurance company for you. 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

West Virginia Home Insurance Reviews: Complaint Ratings For 20 Top Companies

Does your home insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? When do you want to find out if your insurance company is any good? Most consumers fail to check the complaint records of their auto & property (homeowners, renters, condo, mobile home, dwelling) insurance companies. This blog post provides complaint information for the 20 largest insurance companies insuring homes in West Virginia, & ranks them based on their 2010 national complaint ratings (Accurate 2011 complaint records are not available yet). Know the best and worst companies! 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

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

Pennsylvania Home Insurance Reviews: Complaint Ratings for 54 Top Companies

Does your home, condo, renters, or manufactured home insurance company have a huge amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is the company insuring your residence good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the fifty-four largest insurance companies insuring homes in Pennsylvania, and ranks them from best to worst, based on their 2010 national home insurance complaint record (Accurate 2011 complaint records are not available yet). 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

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

New Hampshire Home Insurance Reviews: Complaint Ratings for 35 Major Companies

Do you know if your home-owners insurance company has many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out 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 insurance companies. This blog post provides complaint information for Thirty-five major New Hampshire property insurance (homeowners/ renters/ dwelling/ condo/ mobile home) companies, and rates & ranks them, from best to worst, based on their 2010 national home insurance complaint record (Accurate 2011 complaint records are not available yet). Continue reading

Indiana Home Insurance Reviews: Complaint Ratings for 30 Major Companies

Does your home owners insurance company have a lot of complaints? How good is your company? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 30 largest (by Indiana market share) home insurance companies, and rank them from best to worst based on their 2010 complaint record (Accurate 2011 complaint record not available yet). Continue reading

Finding Home Insurance for Older Homes

If you have an older home, you may find some home insurance companies unwilling to insure you. Due to the recent severe tornado season, Alfa insurance will no longer sell homeowners insurance covering homes built before 2001 in Alabama. If you buy a home built in 2000, will you have a hard time finding an insurance company willing to insure your home? Not likely, unless you are near the coast or in tornado alley, but the older your home is, the more likely you are to find some insurance companies unwilling to offer you home insurance. Continue reading

American Modern Insurance Reviews, Complaint Ratings & Alternatives When Your Home Insurance is Canceled

I have blogged before about your best option, when your home insurance is being canceled by your insurance company, is to appeal your homeowners insurance cancellation, and see if your insurance company will reinstate your home insurance coverage. Continue reading

Replacement Cost Guarantee or Extended Replacement Cost Homeowners Insurance

I have mentioned before, unlike auto insurance, there can be a huge difference in the home insurance coverage offered by insurance companies. One major difference is whether an insurance company offers a guarantee to rebuild your home, no matter what the cost to rebuild it.

For example, you buy homeowners insurance, and the insurance company determines you need $200,000 to rebuild your home. 6 months later, your house burns to the ground. The actual cost to rebuild your home is $280,000. Depending on the insurance company you chose, and the coverage options they offer, you may get only $200,000 for your claim, or $240,000, if you have an extended replacement cost option, or the full $280,00 it takes to rebuild, if you have a replacement cost guarantee.

If you have the replacement cost guarantee, you will get whatever it costs to rebuild — even if it costs $500,000 — to have your house rebuilt to the same size and quality of the house before it was damaged.

So, if you have 1,200 square foot, 2 bed room, tract home, the insurance company will rebuild you a 1,200 square foot, 2 bedroom tract home, no matter what the cost, but they won’t pay more to upgrade your kitchen, give you a third bedroom, or more square footage.

I’m blogging today to explain homeowners insurance replacement cost options to rebuild your home, why they are so important, and how to find insurance companies with the best home insurance coverage options for you. Continue reading

Home Insurance Canceled due to Claims? Here’s How to Appeal

Did you know having more than one home insurance claim in 5 years can get your homeowners insurance canceled? In fact, if allowed by state law, ONE claim can get your home insurance canceled, if your insurance company is concerned the nature of the claim makes you a higher risk of having another, or large insurance claim. Buying home, condo, mobile home, or any other type of property insurance, only to have it canceled when you use it, makes many people feel insurance is a rip off. Continue reading

Renters Insurance: A Landlord’s Guide

Many landlords understand the importance of requiring their tenants to have renters insurance. However, many landlords fail to implement a program to make sure their tenants have an active renter’s insurance policy when a claim occurs. This can be a very expensive mistake! I will explain what you need to do to make sure your tenant has renters insurance when you most need it, but first I will list a few reasons why it is so important for landlords to require their tenants to have renters insurance. Continue reading