Friday was a busy day. We’ve been cooped up for weeks due to illness, and it was the last day of school break. We took the kids to the zoo and a few other activities after DS2’s check up appointment. It was a long day! We left before 7am and got home around 9pm. Most of that was just sitting in traffic. Friday probably wasn’t the smartest time to do stuff around the city lol.
Friday evening I hopped online to do some bills and noticed that insurance didn’t deduct on the 8th. Normally I would have noticed, but I was sick that week. This is for auto insurance, set up as an EFT auto pay. Same crappy company as our homeowners. I logged into my insurance account and noticed all of my policies were listed as inactive!! (Two vehicles and two homes.) They canceled all of my policies effective October 6th 2017. Mind you I have a letter clearly stating our policies are active until October 20th 2017! How nice we were driving around completely uninsured for over a week.
I called them right away, and the representative didn’t understand why we were dropped. And he could see the October 20th 2017 expiration on our account. He was unable to renew the policies since it was after business hours, but told me someone would call me the next afternoon to figure it out. No one ever called. They also owe me a refund for canceling policies early, when I was paid in full until the 20th of NOVEMBER for the homeowners policies.
I reached out to my old insurance broker, who is now with Farmers Insurance. He gave me a quote and I went ahead and signed up. They were able to backdate the policies so there was no lapse in coverage. I also changed several things and saved a little money. My broker is no longer an independent agency and with Farmers only. I only went ahead and signed up to get some coverage. I am still going to compare rates with other companies in the near future.
|Old Ins.||New Ins.|
|$184.66/mo. for 2 vehicles (full coverage)||$161.83/mo.|
|$822.00/yr homeowners policy (rental)||$731.04/mo.|
|$1401.22/yr homeowners policy (primary)||$1100.95/yr|
The coverage for our primary residence is also better than the old policy! Same deductibles: $500 auto, $1000 home. No discounts for paying in full annually. I guess that’s not a thing anymore? Old insurance didn’t offer it either, but I do remember getting a small discount when I’d pay in full for auto every 6 or 12 months back in the day.
I had to pay $178.85 for autos and the full $1100.95 when I spoke with the rep on Saturday. I used my cash back credit card and will pay it off with savings.
Now, I’m still not done dealing with our old homeowners insurance, because guess what?! The water heater flood claim is STILL NOT RESOLVED! That’s right folks! Adjustor lied yet again! Here is my post questioning the legality of a payment he said he made to a vendor. I am now being harassed by the water mitigation company for payment. Adjustor NEVER paid them like he stated!
I’ve been in touch with a supervisor – who refused to provide me an email address to submit invoices to. He told me I needed to send them to the adjustor, and he would forward them to him. Why should I trust that??? DH is now taking over and will handle it this week. This bs has been going on since June 6th.
We’ve got nothing to lose now, we switched companies. Now they’ll get to face the wrath of a very, very pissed off husband!! Haha. At least it gives me a break from dealing with it. 🙂
Also on the topic of insurance: this week is open enrollment. 2018 Health coverage…what are we in for now?!