All Questions

Most insurers, including State Farm, look at claim frequency as well as claim size. From their perspective, several claims within a few years can signal a higher likelihood of future losses. Because of that, companies sometimes choose not to renew policies after a certain number of claims, particul…

Homeowners insurance rates have been rising across the industry, and Amica hasn’t been immune to that. Higher rebuilding costs, more frequent severe weather, and general inflation have pushed premiums up for many carriers, even for homeowners who haven’t filed claims. So if rates have climbed gradu…

If you’ve had good luck with Auto-Owners for your car insurance, it’s reasonable to wonder whether the homeowners discounts are just as strong. The short answer is: they can be good, but they’re usually not dramatically bigger than what other insurers offer.Auto-Owners does offer a multi-policy dis…

The Costco insurance program with American Family Insurance is real, but it helps to understand what it actually is. Costco itself doesn’t sell or underwrite insurance. Instead, it partners with American Family, which provides the policies offered through the Costco program (which include car, home…

American Family Insurance does tend to emphasize a local agent model, so the experience can feel more hands-on than companies that sell policies mostly online. In fact, working with an agent is usually part of how you sign up for American Family home insurance in the first place.Instead of buying e…

What you’re seeing is part of a broader shift happening in homeowners insurance, and Progressive isn’t the only company making this adjustment.Many policies used to have a single flat deductible, like $1,000, that applied to most types of claims. But in recent years, insurers have increasingly adde…

Progressive sometimes asks for a home inspection after you purchase a policy, and that’s actually pretty normal. It doesn’t necessarily mean the insurer thinks something is wrong with your property.Sometimes inspections are required before coverage starts. Other times they happen shortly after the …

If you’ve watched TV in the last few years, you’ve probably seen Liberty Mutual’s ads. Between LiMu Emu, Doug, and the promise that you’ll “only pay for what you need,” the company has one of the most recognizable insurance brands out there.For many homeowners, the experience lives up to that conve…

Erie Insurance's reputation isn’t just hometown pride; it’s backed by consistently strong customer feedback.Erie is generally a well-regarded insurer, throughout Pennsylvania and the other states it activesly insures. They offer the same core homeowners coverage you’d expect from larger national ca…

Yes, Travelers, like most large home insurers, uses aerial and satellite imagery as part of underwriting. They may review roof condition, tree overhang, or visible exterior risks, especially around renewal. It helps them spot potential issues without sending someone to every home.But it’s usually a…