Travelers Insurance Is The Worst For Homeowners
Homeowners Claim - Car Drove Into My House - Complaint
MINNESOTA -- Travelers Insurance Is the most horrible company to deal with. The true measure of a great insurance company isn't how you are treated under normal circumstances but how you are treated when there is a problem. Travelers fails horribly in this respect. I was misinformed and misled as to how my claim would work out when a driver lost control of his car and drove into my garage causing damage to the garage and many things inside the garage. Including a car, motorcycle, and personal property being stored in garage. The car and motorcycle were settled through the car owners company ( Allstate ) without any problems. I was led (more like misled) to believe that if I went through Travelers Insurance ( my homeowners company), for the personal property part, instead of the car owners insurance company that I would benefit from the replacement cost part of my policy and that Travelers would in turn get ALL of the cost of the claim from the car owners insurance company. With no effect on my renewal rates for going through Travelers. Everything went fine at first. Repairs were done. I replaced some of the property ( not all). I even received a letter stating that Travelers had recovered 100 percent of the claim from the car owners company.
Apparently to Travelers 100 percent has a different meaning than to the average person. Because, when I got my renewal notice my annual rate had increased 59 percent. I come to find out Travelers is holding me accountable for the replacement cost part of my insurance coverage as they didn't get that portion from the car owners company. It was NEVER told to me that this would happen. So for right around $2000 dollars that Travelers didn't recover from the car owners company they were going to raise my rates by almost $600 dollars per year for the next 3 years. I would never have gone through Travelers with this claim had I not been misled by them. Taking the increased rate into account I would have been way better off filing the claim through the car owners company. First off I didn't replace all of my personal property. So I didn't use the full claim. If I would have gone through the car owners insurance company I would have received cash value not replacement cost. But in the long run I would have fared better financially. I would have received only actual cash value but I wouldn't be being asked to pay $1800 dollars over the next 3 years. This amount almost covers the part Travelers is holding me accountable for.
Further the last person I spoke to trying to work something out with was a very unprofessional and rude guy to talk to. Also, when I was getting quotes from other insurance companies ( I refuse to pay Travelers their SCAM money) all of them were surprised this was handled like this by Travelers. One company went so far as to waive the fact that I now had a claim on my record. I am no longer with Travelers Insurance and don't recommend them for anyone. AVOID TRAVELERS INSURANCE THEY ARE NOT CUSTOMER FRIENDLY WHEN YOU REALLY NEED THEM AND THEY WON'T GIVE YOU THE PROPER INITIAL INFORMATION SO YOU CAN MAKE AN INFORMED DECISION.