About five years ago, we switched homeowners/auto insurance to ABC company. They had great prices, so we signed up. We had no claims.
Fast forward to late last year, my husband did some research on a new carrier, calling about 10 companies, including XYZ company. ABC co. had gone up, no notice, and when I called to see if they'd give me a new quote, the agent said she'd call back with numbers but never did, and I didn't chase it. Couldn't get any better prices, so we stayed with ABC. Then XYZ calls back last month and said their prices have gone down, can they quote us again? Well, sure. Homeowners/auto came back about $60/mo cheaper, and they even threw in a small life insurance policy.
Sign with XYZ co - lots of paperwork/phone calls back and forth, funds autopayed from bank account, etc. This took place late April/early May over the course of two weeks. Then last Friday, after everything is said and done, we get a homeowner's cancellation letter from XYZ saying there are holes in our eaves and a tree touching our roof, so they will cancel in June if we don't fix it. I call wanting an explanation , they send pictures. We have a 1" hole in one eave, and a few branches, none of which are more than 1/2" wide, touching our roof. The actual trunk of this tree is 15' away from the house. No other insurance companies have had a problem in the 22 years we've lived here. Our home was built in 1995, and is in great shape. When I answered XYZ's email with those pictures, I said I'd think about whether we want to stay or go with the cancellation, and asked the agent if she had any idea why they'd wait until all that paperwork/phone calling/signing, etc was done to cancel? Haven't heard back from her since Friday.
Our house is 2-story with steep pitched roof, and husband could fix both problems, but he has a bad back, and I'm not sure I want him to attempt this. He's not crazy about the idea, either, TBH. No idea how much it would cost to hire someone.
Then yesterday (Monday) I get another letter saying we owe $74.48 on our cancelled account. I haven't called yet about this since I got home so late, but I have no idea what to make of it.
My ideas about going forward on this:
1. Fix the eave and the branches, and stay with our new company XYZ. But I'm wondering why they would conduct business like this? Who writes policies involving weeks of back and forth, and then cancels over tiny things no one else ever worried about? If XYZ is difficult about this, what else will they be difficult about? What if it's my car and I can't get to work? It makes me very concerned. Also, the life insurance policy is $40 a month - It's only $10,000, and I don't really want it.
2. There's a new ABC agent close to me; different office than the one that never called back. I could go sit down with them and see if they can match XYZ's price. When we insured with them they used my pictures of the house.
Thoughts, comments, concerns? What would you do? TIA!
Fast forward to late last year, my husband did some research on a new carrier, calling about 10 companies, including XYZ company. ABC co. had gone up, no notice, and when I called to see if they'd give me a new quote, the agent said she'd call back with numbers but never did, and I didn't chase it. Couldn't get any better prices, so we stayed with ABC. Then XYZ calls back last month and said their prices have gone down, can they quote us again? Well, sure. Homeowners/auto came back about $60/mo cheaper, and they even threw in a small life insurance policy.
Sign with XYZ co - lots of paperwork/phone calls back and forth, funds autopayed from bank account, etc. This took place late April/early May over the course of two weeks. Then last Friday, after everything is said and done, we get a homeowner's cancellation letter from XYZ saying there are holes in our eaves and a tree touching our roof, so they will cancel in June if we don't fix it. I call wanting an explanation , they send pictures. We have a 1" hole in one eave, and a few branches, none of which are more than 1/2" wide, touching our roof. The actual trunk of this tree is 15' away from the house. No other insurance companies have had a problem in the 22 years we've lived here. Our home was built in 1995, and is in great shape. When I answered XYZ's email with those pictures, I said I'd think about whether we want to stay or go with the cancellation, and asked the agent if she had any idea why they'd wait until all that paperwork/phone calling/signing, etc was done to cancel? Haven't heard back from her since Friday.
Our house is 2-story with steep pitched roof, and husband could fix both problems, but he has a bad back, and I'm not sure I want him to attempt this. He's not crazy about the idea, either, TBH. No idea how much it would cost to hire someone.
Then yesterday (Monday) I get another letter saying we owe $74.48 on our cancelled account. I haven't called yet about this since I got home so late, but I have no idea what to make of it.
My ideas about going forward on this:
1. Fix the eave and the branches, and stay with our new company XYZ. But I'm wondering why they would conduct business like this? Who writes policies involving weeks of back and forth, and then cancels over tiny things no one else ever worried about? If XYZ is difficult about this, what else will they be difficult about? What if it's my car and I can't get to work? It makes me very concerned. Also, the life insurance policy is $40 a month - It's only $10,000, and I don't really want it.
2. There's a new ABC agent close to me; different office than the one that never called back. I could go sit down with them and see if they can match XYZ's price. When we insured with them they used my pictures of the house.
Thoughts, comments, concerns? What would you do? TIA!