Mookie said:
$1909 sounds like a steal LOL.
I recently used a poster on here (Daddy) at Farmers and liked what I got. Switching in March.
Home was really good, autos were comparable to what I had but still a little lower.
Thanks lol
Insurance is a racket right now . I can't even believe the crap I pay. The truth is you do get some of what you pay for there are better companies but if you got a good agent or a good broker they'll fight for you. if you get screwed, I recently helped out a customer even with farmers who have had probably four complaints on claims and nearly 20 years but we got them taken care of.
But insurance right now especially home insurance in the southeast part of Houston like clear lake Seabrook Laporte deer Park is terrible and auto insurance is just a racket.
We use a little bit of progressive when we need it they do go back 7 years I don't know how to handle claims but they're still fairly good they try to go against the prior broker.
State farm is very good I'm not a big fan of Allstate but they are the low-cost leader when you're trying to compare.
Amica and USAA have always been fantastic but they have because of the Law of large numbers gotten too good and I lost their ass so they're not as competitive as I used to be.
The main thing though is you got to remember this crap we live in a litigation society and if you're in a big city Houston Dallas San Antonio Austin the judges are all liberal as hell and when you get sued you lose so keep high limits of liability don't risk it if you're worth a lot. I've got so many people that come to me and I'm like I got a master's inside I used to be a financial advisor and I want somebody's got money. When you got a $800,000 house in your 35 and it's paid off I don't need to do the math and you're driving around with 30 60 25 liability coverage.
Mercury has been pretty hot right now in Houston I can tell you I've lost a couple deals and not switched a few.
If you can go with higher deductibles Farmers right now on the home is really killer particularly north of I-10 it's just that you might have to have a 5% hurricane deductible.
It's not an independent market because of their size they don't have the reinsurance capacity so right now the captive carriers are offering better rates.
