State Farm Insurance Homeowners Insurance

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Lousy Service And Privacy Violation
Posted by on
I purchased a home in June of 2006. Several years later, as I was doing some yard work in my front yard, a neighbor – who identified himself as Gary - ran from across the street to offer some assistance. During his short visit he said to me, ‘I work for State Farm Insurance. When you moved in I wanted to see who you had insurance with so I scanned your name & saw that you were already with State Farm’. I thought this was unusual, as I did not authorize him to ‘scan’ anything and this was my first encounter with this man. I did, however, tell him that I was not satisfied with my current State Farm agent. Gary then told me that he worked for an agent in (Olmsted Falls, Ohio) and he then suggested I switch everything over to his office. Although I agreed to the transfer of agents, I still felt uneasy about the fact that he looked something up without my authority or knowledge. I felt this was an invasion of my privacy.

On June 10, 2011, I viewed my credit report with Experian online. I noticed that my credit report was viewed by ‘LexisNexis/StateFarm’ in March of 2011. I thought this was unusual, as I did not authorize such an inquiry. So I contacted my State Farm Agent to question this. I received the company voice mail and I specifically stated that I wanted THE AGENT to call me back. Although I specified this, within 5 minutes Gary called me back. Gary said ‘what can I do for you?’ Since I did not expect Gary to call me back and my issue was pertaining to Gary, I simply said “I just wanted to know how much I am paying in house insurance per year because I am shopping around”. Gary then said to me “you are paying $512 a year”. I thanked him and we hung up.

I then called the agent's mobile number and spoke to him directly. I went into detail about the first incident that I had with Gary in my front yard. I told him that I was concerned because I saw that State Farm has viewed my credit report in March of 2011 without my authority. The agent explained that there was ‘absolutely no way’ that State Farm can view my credit report. I then asked him if his office had access to Lexis Nexis and he stated ‘absolutely not’. He again told me that State Farm ‘never’ looks at existing customers’ credit reports. He asked for me to send him a copy of my report to prove to him that State Farm looked at my report. I agreed and then we hung up.

Nearly 15 minutes later, I received a call from the agent. He was now in defense-mode, as his tone was now that of anger and he was now acting as if he were an attorney. The agent said to me, “State Farm reviews your credit every 3 years”, which is now a contradiction to his initial statement that State Farm ‘never’ looks at existing customers’ credit reports. The agent insisted Gary ‘wouldn’t do such a thing’. I then reminded the agent, once again, that Gary admitted to looking up my personal information after moving in to my house. He said to me “look, what you think of Gary as a neighbor is none of my business”. I then reminded the agent that my first encounter with Gary was unusual, as he (Gary) was discussing my personal information (that he had already looked up) for the sole purpose of selling insurance to me as a benefit to State Farm. The agent then said to me, in a sneaky little voice, “ohhhhh, but that’s not what you said the first time! You said that Gary said that he ran across the street and told you that he ran your credit report! Now you’re giving me 2 different stories!” I said to the agent “I didn’t say he ran my credit report the first time he came to me, I said he ‘scanned’ my name, without authority” – however he did this, I do not know. But, in March of 2011 State Farm reviewed my credit report and I wanted to know why. The agent then said to me, “No, you said that Gary ran across the street and told you that he scanned your credit report, now you’re telling me something else. And see, here I called Gary and told him what you said & now you’re saying something else!’’ (as if to ‘trick’ me). The agent certainly is not a good listener, as I never stated this to him (and it doesn’t matter anyway, my privacy rights were STILL violated!). I felt like I was arguing with a 10 year old child. The agent is clearly unprofessional. He also made me feel as if I were on trial and I told him this. The agent then said to me, “let me ask you this, why did you ever come to my agency?” (as if he were suggesting I was a problem client simply because I was not satisfied with the service I received from my first agent – of nearly 20 years). I responded “because I was not satisfied with the way my last agent handled my claim”. Jared then said to me, “look, you are certainly free to take your business elsewhere”. So I am.

I have been a State Farm customer for about 23 years. State Farm has very poor customer service. I am now going to file a formal complaint with the Attorney General of Ohio due to my privacy rights being violated. I am now in the process of transferring my auto insurance to Progressive. I have already had a much better experience with them. I am currently looking into transferring my home to another company, as well. Once I have transferred all of my possessions to another company, I will never go back to State Farm again. My daughter has already transferred her new auto to another company due to Gary’s unprofessional behavior (a separate incident). I am going to encourage as many people as possible to switch their insurance to Progressive – all due to the lack of concern, privacy violations and unprofessionalism. ‘Like a good neighbor State Farm is there’? What a JOKE.
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Venice09 on 06/11/2011:
Both agents do sound very unprofessional. My husband has been with State Farm for over forty years and has only had two agents during that time. We have had the best customer service that could be expected from an insurance company, and I believe it's due to the agents. If you can't find a decent State Farm agent, I don't blame you for leaving.

Nice review. A little lengthy but well-written and easy to understand.
trmn8r on 06/11/2011:
I found this whole experience foreign. I have been a State Farm customer since 1980, and my parents for many years prior. I have been with a total of 4 agents through my moves and each has been totally professional.

What the neighbor did is odd (telling you he had looked up your name and address and found you were a SF customer), but it doesn't sound like he solicited you. You told him you were dissatisfied (you don't say what claim issue you had), and arranged to switch.

So, I guess your recent experiences are the unspecified claim issue with the previous agent, and this credit inquiry. The agent should know State Farm's procedures, I would expect, about running credit checks. I'd be a bit upset too.

I have to reiterate, I have never had any trouble with communication or the professionalism of my agents. I'm sorry your experience is different.
Venice09 on 06/11/2011:
Many of the complaints I read here about State Farm revolve around the agents. I'm guessing it's that way with all insurance companies. My husband has always been able to deal with the agent and office in person. That might make a difference.

I have to say that I wouldn't be too tolerant of the way the original agent spoke to the OP. It does sound like a conversation with a child, and a bit shady, too.
trmn8r on 06/11/2011:
Yes, I agree with you Venice. I'd be tempted to report this directly to State Farm, if that is possible.
Venice09 on 06/11/2011:
Now that you mention it, I have no idea if State Farm can be contacted directly. We have never had to do that. I wouldn't be surprised if everything goes through the agents.
Nohandle on 06/11/2011:
I think there's a State Farm Agent on every block, at least in this area. I have homeowners, auto and about everything else concerning my personal property. It's my understanding they are higher than many insurance companies as far a premiums but I've been pleased all these past years with the service.

It is also my understanding many of these insurance companies do in fact check your credit report from time to time. Do I like it, do I not like it? I've really never thought about it but by golly I've never had another individual attempt to solicit my business from another agency representing the same company.
Venice09 on 06/11/2011:
Yeah, the neighbor sounds a little shady, too. The OP's whole experience is strange. I never gave any thought to the credit report thing. I'll ask my husband if he knows anything.
trmn8r on 06/11/2011:
I never give my credit report a second thought. My neighbor could be running checks on me for all I know. I've checked it once in my life and nothing odd was there.

Nohandle - yeah, they say how your credit report affects the premiums you pay these days. I guess they must check it.
Venice09 on 06/11/2011:
I think credit reports are checked by more people than we realize. I have never looked at mine. I also have never been turned down for credit, so I'm assuming it's okay.
Vinnie11 on 06/11/2011:
He probably checked your CLUE (Comprehensive Loss Underwriting Exchange) report. If you have never seen it, you may want to order one from Lexis Nexis just for the heck of it. You will be amazed about the information that has been collected on you. It is LIKE a credit report but has insurance related stuff on it instead. It lists all of the carriers you've had, all of the claims you've made, your DMV record, potential drivers of your vehicles, claims made on your vehicle prior to your owning it (if you bought a used car), etc... When I ordered mine, I also received a standard credit report so I think that may be part of it.

Your insurance carrier does run your credit every now and then. Your credit rating is a huge component of your rate and if you were already doing business with them, I don't think it is a huge deal. The agents sound like jerks. I hope you are happier with your new carrier.
Venice09 on 06/11/2011:
Great info, Vinnie. Thanks!
madconsumer on 06/11/2011:
great point of view vinnie!!

I do know insurance companies often scan ones credit report for various reasons.
Nohandle on 06/12/2011:
Good information Vinnie. Thanks. I've had the same State Farm agent for so long that I honestly don't know what goes on behind the scenes and again had never thought about it. At least my insurance wasn't cancelled, nor did my premiums increase after that costly burglary I had a number of years back.
John on 07/05/2011:
Write to state farm home office in Bloomington,Il.
Edward Rust is the president.
Also BBB in your area.
Chip on 07/24/2011:
The agent's direct "supervisor" is the agency field executive. You could ask the agent for his name and number. If that agent won't give it to you, contact an agent in the same town/county. They will have the same executive and should give you his information. Of course, you can always write to the CEO, but that will usually take a little longer to get the ball rolling.
TAL on 03/14/2013:
For everyone's benefit. Go to You will see that your favorite insurance companies are not who you think they are. Then go to and read the "Insurance Hoax" article written by Bloomberg. It will open your eyes to things you would have never imagined.
Angela on 07/18/2013:
I can believe it. State Farm does use lexis/nexus WITHOUT permission and also office workers in other agencies than your own can and do access your account when you phone that agency. That is a violation of my privacy. A lady I know works for another agency and she left a message for me to call her at work which I did and later that week she was making references to what was in my account. This is a violation of my privacy and State Farm is vehicle in which these issues continue to exist
I have moved all my business elsewhere and I had been with State Farm for over 30 years. NO MORE
jim on 03/08/2014:
I got on this because of LexisNexis/statefarm running a credit check on me. I have no mortgage on the home I insure with them, I insure both cars both paid for, never have had an accident claim in all the 12 years I have been with them. When I questioned about their snooping all I got was an answer with do that to see if I am elgible for a deduction of rates. My credit score is 814 and when I asked what I have to have to get a deduction all I got was a dah
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Took Forever to Review Requested Homeowers Policy, Then Denied
Posted by on
Rating: 1/51
BUDD LAKE, NEW JERSEY -- Been dealing with State Farm for 40 years, first with car insurance, then both homeowners and car, then just homeowners. My wife and I are moving to an older home within the next few weeks. Considering State Farm has my present homeowners insurance (15 years) as well as having insurance for several other family members, I thought it would be best to get a quote from them. I should not have wasted my time.

First, they wanted pictures of the outside of the house and any outbuildings, then also of the electric panel as it has recently been problem. After they were furnished with these, I waited over two weeks, and then had to call twice for them to quote me. When they did, they told me they turned it down because the house was below average condition, which it is not. Granted, the house is old, 1840, but has aluminum siding, and has been upgraded, electrical, heating, kitchen, etc. To add insult to injury, they were trying to sell me car insurance at the same time on top of it.

Just as a note, I have never had a claim for homeowners, or car insurance in all these forty years. Granted, my credit history has not been good the last couple of years like a lot of Americans, if this has anything to do with it; which it should not. They don't care about customers that have been long standing....they just go for the easy money. The original agent that myself and my family dealt with retired a long time ago. Too bad, he was great to deal with. The present one that I use, you cannot even talk to him directly.

I therefore am seeking out another insurance company and will advise all my family members and friends to do the same.
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trmn8r on 09/05/2012:
I have used State Farm for decades as well, and love them.

It is impossible to know if you were improperly denied based on your complaint. State Farm doesn't automatically insure everyone and everything they are asked to. My house is in insured by State Farm, and I can't recall any problem in making that happen.

I'm sorry that a decision not to insure leads you to attempt to get people to drop them - I doubt that will succeed. Your experience is personal to you, but if others believe they are being treated fairly they will probably also say "we're sorry this happened to you" and move on.
madconsumer on 09/05/2012:
I found this review very helpful, and voted as such!!

having lived in several states, in those states, State Farm Insurance has a reputation for refusing to pay valid claims. that is why they are known in some states as "snake farm".
chigrl on 09/05/2012:
Be happy that you are not with State Farm. They cheat their customers by not telling you how they calculate your loss. Replacement value insurance is not what it seems. Glad I am rid of them. Losing them may be a blessing in disguise
onlooker on 09/06/2012:
I also feel you need a new broker.
CowboyFan on 09/06/2012:
I have State Farm and like them. The problem with homeowner's insurance is that the condition of the house makes a difference. If the house is older, even if upgraded, that means that in a lot of different ways it does not meet current building codes. Obviously, any insurance company is going to be more leery about insuring such a home.
Rich on 12/01/2012:
I just found out that having your house vacant makes insurance companies run away as fast as they can. I have moved and thought my insurance would be much cheaper since my house had no possessions in it. Not so. If your house is vacant, there are all kinds of exclusions to your policy, if you can get insurance at all. State Farm did not have my prior policy but they do have my car insurance and life insurance. They would not write a policy at all. Keep looking or you will have to use a state run insurance plan.
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My Homeowners Insurance Has Been Cancelled
Posted by on
Rating: 1/51
PIPESTONE, MINNESOTA -- After reading some previous remarks it is clear to me I will simply be uninsured after next month.
My parents put "30 year shingles "on their home, In 2003,and then they failed within 10 years, and all indications have been that the class action settlement against the shingle company would likely net them $800 or so. Unable to afford the cost of re-shingling, they just did nothing. Then Dad died. Mom signed the house over to me, as she was unable to maintain the cost of insurance, taxes etc. Mom continues to live in the house, at age 91. I pay the bills. I was required to write a new insurance policy by State Farm, which I did readily. I have been a State Farm customer since 1984, every house, car, camper. Today my thank you and goodbye letter came from State Farm Insurance. They Cancelled my Homeowners policy due to the curled, but functional, shingles . Save your rhetoric. I give up .
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BigAl on 10/12/2013:
This is a sad situation but it is not State Farms fault that the property is not maintained. If the shingles are curled as you state then they are not functional. Why you made your mother sign her home over to you is the real question. That would make taxes and insurance higher.
cmthru on 10/12/2013:
A policy requires the house to be properly maintained. With curled shingles there is a good chances of leaking in the rain or snow/ice melting. No one will cover damage from a roof in apparent poor condition. Maybe you can find a local organization to do the roof cheaper or for free.
trmn8r on 10/12/2013:
It sounds like State Farm cancelled the policy because your shingles are defective, and you do not plan to replace them. You say the shingles are "functional," but have failed. I don't blame State Farm.
madconsumer on 10/12/2013:
snake farm at its best. they will do anything they can to deny claims.

sounds like the installer of the shingles did not properly install them with a proper vent. this is one reason shingle will fail and curl.

Terriloudawn, sorry some choose to beat up on the OP's around here. I would have been pretty upset too if I paid for insurance and was cancelled due to this lame excuse.
Terriloudawn on 10/12/2013:
Thank you all for your response . Big Al: I did not "make " my Mother sign her home over to me. And the taxes and insurance did not go up . I did not state the time line well. I live in a town 65 miles from Pipestone. Six and a half years ago I began staying the week at mom and Dad's who were then 90 and 85 to help them stay safely in their own home . It has been a privilege .They "gave" me the house 3 years ago. Dad died this past winter just short of his 96th birthday. never went to a nursing home. Iimmediatly transferred to a position in Pipestone, and have continued to work full time. I can fix the roof sir. I just don't like someone telling me to fix one that still works . State Farm calls the shingles "failed". I have had a contractor look at them, none are missing or loose, all are sealed. Only the southern exposure is affected. We simply are trying to get as much time out of these shingles as we can because it is expensive to replace a roof . State farm did give me the required 45 day notice.
Terriloudawn on 10/13/2013:
I have been given an extension to fix the roof. I will probably not stay with StateFarm Insurance. I own my home with my husband, and now my parents home, 2 vehicles, one camper, all insured with State Farm since 1984. As soon as I can get the roof done (this is MN) I will and then will be able to leave them with no adverse rating , right? Please?? I accept responsibility for not meeting their standard of maintenance. I was simply trying to make the best of a bad deal with the shingles. It seemed financially prudent to try to get as many years as we could out of them before putting them in the landfill, and again paying to re-shingle the house. I was woefully mistaken. None of this is State Farms problem. It is mine. Insurance, tho often required, is a benevolence granted by The Company that I choose to pay,( after they call me, and send me letters asking me to buy their product.)
I apologize, this had turned into a rant. I was shocked this could happen, as I have never met anyone else who had their policy cancelled. I feel like such a loser. Thanks for listening.
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Failure to Communicate
Posted by on
Rating: 1/51
WINTER HAVEN, FLORIDA -- I received a certified letter from State Farm 7/13 stating they did not renew my policy 4/13! No notice. No insurance for 3 months without my knowledge. I called to ask why. I've never had a claim in 15 years and always paid my premiums on time and in full. I was told a letter was sent to me 4/12 with suggestions for things they wanted done to the property. I did receive that letter and I complied with each "recommendation." Never did the letter state it was required that I had my property mgr do these things, yet I faxed them to her, she had them done and charged me for them in my May statement.

State Farm's letter was dated 4/16 and the items were completed on 5/4. When I asked why they failed to renew me, I was told that I had not provided invoices, photos, etc. on the items they wanted done. Huh?! Apparently I needed to fly 1500 miles to act as their secretary. Nowhere in their letter did it state these main items are mandatory and documentation must be submitted to State Farm. I guess the customer is supposed to be a psychic secretary! OK, now that I know you need me to do your paperwork for State Farm, I will ask the property mgr to submit everything on my behalf. State Farm then told me it was too late. They would not renew the policy! Perfect payment history. Perfect lack of claim history. Perfect compliance history yet they refuse to allow me to continue as a customer. So sad to see companies who feel customers are not necessary to their business. With an attitude like State Farm has down me, I would love to see them go down the tubes ASAP! I am a small business owner and treat my customers like GOLD, because that's what they are. They are the reason my business exists and grows!
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Insurance 101 on 07/12/2013:
It's not the insurance company's responsibility to prove your eligibility. We don't buy insurance, we apply for insurance.

If you have a claim or an inspection reveals improvements/repairs needed, you're contacted, asked to comply and the burden of proof of repairs is on you. I'm sure if you look a little closer at the letter you'll find a notice to contact your agent once the repairs/improvements are completed.

Sounds to me as if you got too busy, forgot the part about following up with your agent and are now blaming the big bad company for your failure follow instructions.

Each and every insurance company has the right to non-renew your business. Florida is an extremely volatile state as far as insurance risk is concerned. Very few preferred companies want to do business there. They know their risks outweigh their profits in Florida. Homeowners business is not really business when you're spending more than you're making to keep it on the books.
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Beware of State Farm
Posted by on
Rating: 1/51
BLOOMINGTON, ILLINOIS -- We were 1 block away fromthe touchdown of a tornado on April 3, 2012. We sustained Wind and Hail damage to our roof. State Farm only wants to replace the West and North side of the roof and repair and patch the South and East side.

They are doing over 1/2 the roof, but refuse to do any more. This roof will not match the existing roof. I don't want a patch job. This will look terrible and I will never have a nice or consistent looking roof again unless I pay for it. I thought replacement value insurance would put us back in the same position before the damage.

They told me they don't have to match the existing roof and basically it just has to be functional. Don't trust State Farm to do the right thing and go over every detail of your policy. I thought we were covered for this type of loss. 12 years and never a claim, first time trying to get them to pay and it is a tough luck.

By the way every other home that has a roof replaced in our neighborhood has had the insurance replace the roof.
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Kris10 on 05/15/2012:
I would contact your state's insurance commission to see if they can help you out. They might be able to persuade SF to help you.
trmn8r on 05/15/2012:
To me, it makes sense to not replace portions of a roof that haven't been damaged. You are talking about a lot of material and labor(removal, disposal, new material and install) simply for an aesthetic reason.

I have seen this identical complaint in the past year, and it makes sense that some with storm damage would wind up in this position.

Are any of those having an entire roof replaced also with State Farm? Is there damage to all faces of the roof in those cases?
CowboyFan on 05/15/2012:
Hire a roof inspector to see if there is sufficient damage on the South and East sides to warrant replacing the roof. If not, see if the roofer will give you a discount on replacing the South and East sides when he does the insured work.

This is like getting part of a car painted after an accident. You can't expect the insurance company to pay for painting the entire car, just because you want the paint to match perfectly.

Also, for them to replace the South and East side would give you more than you had before, a new roof in that section, which was apparently not damaged significantly by the storm.
stormy on 05/25/2013:
I get what u r sayin but the roof they had before the storm all matched and I'm sure the premiums they have been paying over the years will more than cover 20 roofs so with that being said state farm needs to pay up also you can get a perfect paint match but not on shingles you sound like you work for state farm very shady
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State Farm Stinks
Posted by on
BLOOMINGTON, IL, ILLINOIS -- State Farm Insurance Company is definitely not your "Good Neighbor". I have never filed an insurance claim in my life. We had a small leak in a bedroom ceiling. I called my State Farm agent to inquire as to the provisions of my home insurance policy. I told the agent that I would not know the extent of the damage until I got up into my attic. As it turned out, the problem was solved with a $1.65 tube of caulk and a gallon of paint from Wal-Mart. It wasn't until my policy renewed that I found that my rates had gone up substantially and I was now listed on a National insurance data base as having filed a claim ! Farmers Insurance would not insure me because of my "bad" claims history. Had to go with Lloyd's. Have had no success in dealing with State Farm corporate office.
My advice, Disregard their media commercials. They are a BAD Neighbor you should avoid.
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trmn8r on 01/29/2011:
Did you file a claim for this small problem? If you have a deductible, the cost of this repair was probably less than the deductible.
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Felt like a thief
Posted by on
On January 8 2011, I had my prized truck stolen on the return from a hunting trip.

On the first day I called the toll free number And was treated very nicely and given another. Number to call for the claims team handling my claim I tried for the next 3 hours without being able to reach the claims team. on my last call I finally reached someone who told me that team was not even working that day. very frustrating.

On Monday I spoke with a team leader who was very professional and easy to deal with. I then spoke with the claim representative for the homeowner side and what a difference. I felt like I was being accused of stealing my own truck and all the hunting gear inside that went when the truck was stolen.

I was very PO by the time I was done. The auto side has been. Great and informative during this time and has kept me in the loop. The home owners side has Been hard to deal with information is hard to get and the email responses have been very rude.

After everything is settled I plan ongoing to a different company for my homeowners coverage. I have been with them since 1992 and after this will have no problem moving to a new company
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trmn8r on 01/25/2011:
I hate to even broach the subject (but I will), but there has been a lot of fraud with people having their cars "disappear". It's hard to know from your description if the difficulty you felt was related to them making sure there was nothing amiss in your claim.

The 11th was my b-day, Tuesday, which means the day you called was Saturday. They should have known to tell you the office was closed that day. I've been with SF since 1980, and really like them. Good luck with the next company.
Ytropious on 01/25/2011:
Did you file a police report for the stolen vehicle? I'd be starting there first! You best believe if anyone steals my beloved vehicle I will hunt them down and kill them.
Skye on 01/26/2011:
When my vehicle was stolen, all I had to do, was contact my agent, and dealt him threw out the entire process. None of this being passed around. Just my agent and my agent alone. Too me, it's worth using an insurance company, who provides you with an agent, and if you don't like that agent, you are free to find one you do care to do business with. I won't mention my insurance company, I'll just say, "Mayhem".

Sorry your truck was stolen. I know EXACTLY how you feel.
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No Coverage, No Refund!!!
Posted by on
Rating: 1/51
HOUSTON, TEXAS -- I had an apt dwelling ins policy and one for my home. I received my refund for my apt. policy, but was also cancelled, by mistake, for my home insurance I paid $2070 in full for the year. Now I have no coverage or refund and am vulnerable and very uncomfortable. I can't get the agency to return my call. She has my money and I have not coverage. This is unacceptable!!! I keep leaving messages and cannot get a return phone call. The answering machine is all I get.

If anything happens, I promise I will sue St. Farm!!! I expect a phone call asap to 281-543-8824.

Please reply ASAP!!!
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BigAl on 04/29/2013:
Write them a registered letter with your concerns and e-mail them the same thing. A phone call will do you no good if it should go to court.
Too many wackos! on 04/29/2013:
Is that your phone number? You might want to remove that.
trmn8r on 04/30/2013:
I've never had any problem with State Farm - acutally quite the opposite. If they cancelled your home insurance and it was their error, I would expect that they would cover any possible loss that occurs before it is straightened out.

I've never had an agent I could not contact. If I were in your shoes, I would be trying to contact State Farm corporate with your concerns about not having someone to speak with - that is not acceptable.
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State Farm Cancels Another Policy
Posted by on
State Farm cancelled our policy today after many years with their company for a claim that was submitted. There was a very big snow storm that caused a tree limb to go through our roof. We thought that was the reason we paid insurance every month and even asked them if it would affect our policy and were told it would not. Then I get a call that they are dropping us because of it. They are unethical anddo not care about their customers.
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unhappy999 on 02/15/2011:
I agree with you. It should be against the law to drop your insurance or raise the rates because you have a claim. You pay insurance for years and nothing happens so they are making money for nothing and then something happens and they have to pay a claim and then they don't want you as a customer. All they want to do is get money for nothing.
Weedwhacked on 02/15/2011:
Unfortunately the lobbyists and government allow this type of unethical action. This is one of the things wrong with America. The lawyers, lobbyists, and shareholders all screw over the American public for money.
Anonymous on 02/15/2011:
state farm sucks to beign with. I don't understand how they insure most people in this country when they totally suck. had a similar circumstance with them. I love how they make their commercials so a good neighbor...yeah right. More like the lousy drunk neighbor who makes noise at 3 o'clock in the morning.
old fart on 02/15/2011:
I have state farm and they have raised my rate 3 times in the last 6 months...Time to start shopping!
trmn8r on 02/15/2011:
I am a very happy State Farm customer. I guess I am not the only one, since according to P-C they insure most of the people in the country.

I'm willing to accept that SF deserves criticism, but this statement blows me away:
"I have state farm and they have raised my rate 3 times in the last 6 months"

I don't understand how this can even happen. I have had SF auto for 30 years, home for 10. I get one bill per cycle, never an interim one. If my rates go up, it happens during renewal (twice/yr for auto, once for home). I suppose theoretically, my auto could go up *once* every six months, but it doesn't. I'm scratching my head here...
old fart on 02/15/2011:
Trust me trmn8r.... back in July my rate was 70/per month... it is now 100 dollars and I haven't had a ticket or accident in 40 years... according to my agent, I have all the discounts possible!
Ytropious on 02/15/2011:
My husband had one accident on his record and State Farm wouldn't take him! We said screw them and took up Geico instead. Now that we have a house we insure all through Allstate.
trmn8r on 02/15/2011:
Well, that is understandable. State Farm does have a thing about not taking people with accidents on their record. I let my insurance lapse 20 years ago, and SF penalized me by throwing me in a higher risk category for 3 years, until I earned my way back into the cheap seats.

Geico? I had Geico when I was 18. They jacked my rate over 100% for no reason whatsoever, except they could. I can remember exactly where I was standing, on the phone with Geico, 30 years ago. So it cuts both ways, I suppose.

old_fart -> OK, I'll trust you. Saying it went from $70 to $100 is tangible, but you didn't explain how it was increased three times in 6 months.
steve101 on 02/16/2011:
After watching their commercial saying I could save 40% on my car insurance, I just got my bill and it was raised a whopping 30%!!! That's with NO accidents or tickets.
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Another complaint on rate increases
Posted by on
STERLING, COLORADO -- I have been with State Farm for all my insurance needs for over 20 years. I opened this quarters bill and find a 24% increase on the coverage for a rental property I have. After a call to the local representative, he stated that everyone was hit with up to a 24% increase because of all the hail damage claims they have had here in Northeastern Colorado....BS!! I recently submitted a claim for roof damage on a rental I have in the Western Slope of Colorado... After negotiations, and a large deductible, I was given enough monies to DO THE WORK MYSELF... I have had it with corporations like this arbitrarily increasing premiums because of a claim...what the hell are insurances for? I figure that the 5K they gave me to replace the roof...does not compare to the tens-of-thousands that I have spent with this company insuring homes, rentals, cars, etc. etc. etc...

Anyone considering this company as a carrier should investigate them thoroughly before doing so. I which I had!!! This company did not even give me a courtesy call before the increase...which is just as wrong as the increase
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User Replies:
Weedwhacked on 09/22/2010:
"I figure that the 5K they gave me to replace the roof...does not compare to the tens-of-thousands that I have spent with this company insuring homes, rentals, cars, etc. etc. etc... "

You're wrong. They want you to keep paying your premiums without EVER making a claim. That cuts into their profits and they will get it back somehow. They don't care that you didn't cause the hailstorm, they want their bottom line to not change. Sorry, but its a typical case with an insurance company.
Jack H on 07/12/2011:
I would like to know how much of our premium dollars go into advertising.
Example,State Farm Sponsors the All Star Homerun
contest.That must come from premium dollars collected.
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