1d ago

Also, your credit score drops if you pay all your debts

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And for anyone in the US, just know that State Farm is one of the worst companies for Homeowners Insurance. They will pay the bare minimum. All insurance sucks, but State Farm is on a whole other level of suck. If you are with State Farm don't make the mistake I made and quickly find another company.
Seriously, leave State Farm. By not leaving I am now paying $20k that they should have covered.
- Remember Katrina?
  Like a grim reaper state farm is there
- Someone t-boned (and totaled) my truck and they had State Farm for car insurance. Everyone involved acknowledged I was not at fault, except State Farm. They wanted to write it off as a mutual fault, which would mean they wouldn’t have to pay for my damages. They also never told my insurance company, because it was news to them when I mentioned it. I just hope my insurance doesn’t go up because of their ineptitude.
  
  Yeah fuck that. Make sure your insurance company is going to bat for you, that's part of what they are paid for. Make it clear you dont expect this to count against you at all because the other driver is at 100% fault.
  Shouldn't take much push from them for state farm to fall into line.
  
  Good time to mention my wife had State Farm when she was run off the road. We had the guy on dashcam with clear as day video of his face, and license plate. State Farm couldn't find the driver or the car, and said that we should just pay to have the wheels repaired (got curbed hard during the incident). The "repairs" were the same amount as the deductible. Then one of their reps let slip that they not only knew who the guy was, and who owned the car, but that he was covered with their insurance. So SF was pretending not to find they guy so they wouldn't have to pay our deductible... Shady as fuck.
- I just left a job with State Farm. They also the most expensive and go out their way to fuck you hard.
- I got them to replace my roof like 4 years ago, but it was an argument that took a couple of months because they wanted to go around and spot replaced only the damaged shingles. I stayed nice and held my ground that doing so would look bad and thus diminish the value of my home. It was like pulling teeth, but I was able to talk with someone at state farm who felt like wanting me to get my way by speaking nicely without myself being a pushover.
  
  I had them when we bought our house. A tornado game around the second year. They sent me a check for 6k and expected me to get someone to do only half my roof. Took me little over a year and half. Found a guy who did the whole roof for the 6k. I turned in the recipient and pics and they sent me another check for 7k. I said what's this? They said thats what the claim was for. They estimated 12k. I told them if they paid that up front I would have gotten job done a year earlier. Because I gave them a quote I had gotten for 11k. Joke on them I got pocket that 7k, because whole roof was done for 6.
  Of course they raised my rates for filling a claim. Which is one of the biggest scams on earth. Insurance is supposed to be the transfer of risk. They are supposed to protect you. But if you file they raise your rate.
  Reminds of the story of this old guy. Had AllState for 20 years. Always paid, never had a claim. He gets into a fender bender and he said they raised his rate. He was pissed. Twenty years of monthly payments. Paid in way more than the wreak cost, and they fuck you.
  Also State Farm supposed to be a mutual Insurer which means your supposed to get a check at the end of the year for any unused money. Has anyone ever gotten a refund or money off the renewal?
- just know that State Farm is one of the worst companies for ~~Homeowners~~ Insurance.
  I wouldn't get any state farm insurance. We had to sue to get the very coverage outlined in the policy for uninsured/underinsured driver coverage.
  Just the worst.
- Yeah, unfortunately they are the only company that offers insurance in my area. Some times bare minimum is better than nothing.
- Who are some of the best? And not USAA. I'm talking ones anyone can apply for.
- I have had trial lawyers tell me that State Farm is a pain to deal with even when claims get serious enough to involve them.
  I have been using Allstate for a long time, and to their credit they have been good about approving my claims and paying fair amounts.
  In the 2010s I had a totaled car one year, then another year I had two homeowners claims: a moderate one to get new siding after damage from some insane winds, then a bigass claim that ended up replacing plumbing and flooring while we ran up months of hotel bills they paid.
  I’m not going to delude myself into thinking they’re a good company or give a shit, but my personal experience has been consistently decent.
- I don't have state farm but get their offers in the mail all the time. I have a different agency that has covered our home and autos since 1998. That said, when we removed our pool I called to see if we could get a downward adjustment on our home insurance since... we not only removed the pool, we also had a 4.5 foot chainlink fence surrounding our property. They laughed at me.

191 comments