Home Insurance - Recommendations and Feedback
So my home insurance is up for renewal and I decided to shop around. I've had HI with State Farm for at least 4-5 years.
Anyhow, it turns out ALOT of companies are not writing policies since I am too close to the water. I feel like I'm *underinsured* with SF and asked them to increase dwelling. They advised the only way to do it is to get someone else on my own and have them get something written in which they would adjust my policy accordingly.
Then there is other companies which I am slightly familiar with such as The Hartford, Tower, etc that are willing to give me a policy.
Then there is *Chubb* the gold standard.
So, I'm stuck deciding now.
I have State Farm, then there is The Hartford & Tower who are comparable IMO.
Amica is *slightly* less than Chubb but given the 2, I would choose Chubb.
However, the premiums reflect that as well.
State Farm - X
The Hartford, Tower - 2X what the State Farm Premium Is
Chubb - ALMOST 3X what my State Farm Premium is.
The bottom line as I value which provider to go with, is that I just want the damm carrier to pay when I actually do need it without going into litigation. I know Chubb will stand behind the customer, but the premiums Reflect it as well !