[The Champ]

Late to the party, but having spent 10 years of my life in commercial insurance...

I strongly recommend working with an independent agent. Check out a couple down in TN. Let them shop your home/auto/personal umbrella insurance with multiple companies. Listen to their recommendations and have them justify why they would recommend company X over company Y. Let them know that you will get back to them shortly. Look for reviews on those companies on line. If the premiums are relatively close, go with the better rated company.

If you feel more comfortable with agent X over agent Y, and the premiums are close, go with agent X.

[400 4spd.]

Farm Bureau.

[Baron Von Zeppelin]

Smith & Wesson

[Half-Inch Stud]

Allstate has been good to me. Yet, had them since started driving, and my parents had them. That extra info might matter to effect service quality.

[GOAT8U2]

My experience...

Long time American Family, both my cars appraised around $75k+ each...

GN got a small rear end accident, turned into $18k.
At fault guy had Progressive, they offered me $2200, I went through Subrogation and American Family paid the bill, no questions.

Body shop said for big companies
American Family

Body shop said best for classic cars are really...
Haggerty
Grundy

[bill ryder]

State Farm is now teamed with Haggerty. They work good together!

"Bill"!

[beemergary]

Just went with State Farm and we'll see. Had Hastings and the will put a value on your home thats 100K more than you could ever sell it for and now raise your rates a bunch. Total Scam. Had AAA for 28 yrs. and had to dump them. Allstate Never again. Got to shop till you drop and not be loyal to any agent.

[Lanny]

American Modern
Heacock ins.
Great prices Great coverage
I had a bad fender bender they covered everything with no issues.
Only have good things to say about them!
1/2 the price of that other collector's car insurance. And got 10k more coverage.

[The Champ]

Originally Posted by beemergary

Just went with State Farm and we'll see. Had Hastings and the will put a value on your home thats 100K more than you could ever sell it for and now raise your rates a bunch. Total Scam. Had AAA for 28 yrs. and had to dump them. Allstate Never again. Got to shop till you drop and not be loyal to any agent.

When you are insuring a house, it's not what the house could sell for, it's what it cost to repair or rebuild.

If not insured to replacement cost (which would pay the claim in full) your home would be insured for depreciated value (which would pay you a depreciated value on any claim).

If you suffer a $25,000 loss, do you want to be paid $25,000 less your deductible or $10,000 - $15,000 less your deductible?

[promptcritical]

Check out USAA. I’ve had good luck with them, albeit not much in the way of claims.

[turbo69bird]

Best insurance carrier for not giving you BS and paying claims easily without banging you on price. Is CHUBB insurance. But it’s expensive. It’s kind of a high end insurance product for people who don’t mind paying more for not having to deal w stupidity. I had some construction and real estate clients that used them and during a huge storm w lots of damage they were the first paid and no haggling on repairs or pricing.