BEWARE - HOMEOWNERS INS WILL DROP YOU NOW IF YOU HAVE A HOBBY FARM!
- Thread starter pips&peeps
- Start date
Have ya'll tried Erie Insurance?
We've had Erie for 20 years now and we've never had any problems with them ever. They are also the cheapest out of all the "major players" that we've found (All State, State Farm, Progressive, Geico..etc...)
I just switched my mom from All State to Erie after my dad died - both her house and her auto - and saved her over $500.00 a year and got her MORE COVERAGE than she had before - amazing.
Our agents have been out to our house - they know its 148 years old, had 3 fireplaces, that we have chickens and a pool - and we're covered.....
I dont understand why if you have a "hobby farm" you wouldnt be covered..that makes no sense whatsoever. Our house is old as dirt and we're covered 100% for all outbuildings and the main structure, including all animals.
Note: we also have our life insurance and auto insurance with them so we receive discounts as well. I believe, with full coverage for 2 vehicles, liability on 2 others *and one is a classic car 69 Dodge Charger*, our RV (all with Gap for the full coveraged ones) we pay $1800.00 a year - and our homeowners insurance is $736.00 a year for $350K on just the house structure, that doesnt include the outbuildings or possessions inside - we're covered for possessions at 75% of the value of the house coverage, so roughly $263K on top of the house. Then we have medical and all the other goodies that go with it that are the highest we can get - our deductibles are: $50.00 for autos and $500.00 for the house.
No one else can touch Erie - we've checked. Might be worth checking into for some of you.... and we've had 2 claims in those 20 years - never an issue and received checks within 10 days for replacement of the items that were stolen.
We've had Erie for 20 years now and we've never had any problems with them ever. They are also the cheapest out of all the "major players" that we've found (All State, State Farm, Progressive, Geico..etc...)
I just switched my mom from All State to Erie after my dad died - both her house and her auto - and saved her over $500.00 a year and got her MORE COVERAGE than she had before - amazing.
Our agents have been out to our house - they know its 148 years old, had 3 fireplaces, that we have chickens and a pool - and we're covered.....
Note: we also have our life insurance and auto insurance with them so we receive discounts as well. I believe, with full coverage for 2 vehicles, liability on 2 others *and one is a classic car 69 Dodge Charger*, our RV (all with Gap for the full coveraged ones) we pay $1800.00 a year - and our homeowners insurance is $736.00 a year for $350K on just the house structure, that doesnt include the outbuildings or possessions inside - we're covered for possessions at 75% of the value of the house coverage, so roughly $263K on top of the house. Then we have medical and all the other goodies that go with it that are the highest we can get - our deductibles are: $50.00 for autos and $500.00 for the house.
No one else can touch Erie - we've checked. Might be worth checking into for some of you.... and we've had 2 claims in those 20 years - never an issue and received checks within 10 days for replacement of the items that were stolen.
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- Thread starter
- #33
In my searches for different coverage, I have found that Met Life will only cover you if you have two or less horses. State Farm won't even touch chickens because of the risk of "spreading disease".
I'm calling back a man today who is quoting me Grange Ins and tomorrow another agent will be stopping by for a Farm Bureau quote.
Wish me luck as this will all eventually roll downhill to the rest of you if selling eating or hatching eggs.
I'm calling back a man today who is quoting me Grange Ins and tomorrow another agent will be stopping by for a Farm Bureau quote.
Wish me luck as this will all eventually roll downhill to the rest of you if selling eating or hatching eggs.
We have Farm Bureau also. All our insurance is through them, car, home owners and life. We did look at a few other company this year but not one could get anywhere near the low price we pay there. They are really great if you have a problem also. We had a problem with out central air last year and it leaked water and messed up the floor. They were here the next day, and I had a check within hours. My husbands car got scratched at the store, we went and showed them next day we had a check to have it painted. Just love them!
Rhett&SarahsMom :
Quote:
This really ticks me off. I will tell ya why. I bet you $1000 dollars that your tax bill did not decline yet you lost services, to me thats like increasing your taxes.
Our precint let off on services in our area too, still the same taxes, heck, I am paying more taxes now. arghh
Sorry for getting off topic.
<------ repenting
Is that legal???? OMG that would so piss me off!!!
Quote:
This really ticks me off. I will tell ya why. I bet you $1000 dollars that your tax bill did not decline yet you lost services, to me thats like increasing your taxes.
Our precint let off on services in our area too, still the same taxes, heck, I am paying more taxes now. arghh
Sorry for getting off topic.
<------ repenting
Is that legal???? OMG that would so piss me off!!!
After I found out I called the assessor's office and found out that they have been collecting it for 5 years from me and when asked where the money went (the fire dept didn't get it) they didn't have an answer. I asked for my money back. They gave it to me but would only go back 3 years. Go figure! I also asked for interest ....got that too.
Yes it is legal.......but we have to pay the bill for 911 or fire services privately if they are called out. We are currently trying to petition the county to be annexed in to the closest fire district but that is like an act of ....................
Here is a picture of the sign!
OUCH!!!!!!!!!!!!!!!!!!!!!!!!!!
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I am an insurance agent here in Oregon. We write with many different companies. Would be happy to look into this for you.
As for the other comments of being dropped after a long time on policy. There are several factors. One thing is that over the years insurance companies are seeing so many law suits that they are taking harder lines on underwriting. The lawsuits alone for trampoline injuries is staggering. 30 years ago people did not have trampolines. Or if someone fell on your property they did not sue. Now people sue for everything. An insurance company sees horses as a risk because people can fall off and get hurt. You have a neighbor kid over and he falls off the horse, you can get sued big time. They don't care if you don't let anyone else ride, you could, so that is what they care about.
Also, if your home is in disrepair or not maintained well, it is a higher risk for fire, water damage etc. Good maintinence is important. I am not defending insurance companies here, just sharing what I know. I know there are companies out there that are not good. It is maddening to know you have paid in all these years and can get dropped for one thing.
As for selling eggs. That is a huge exposure cause if your chickens make a lot of people sick-lets just say salmonella or something else, you could have many people sueing you at once. That is why commercial insurance has higher rates. They are selling something. Higher risk=higher rates for insurance.
PM me if you would like more info.
As for the other comments of being dropped after a long time on policy. There are several factors. One thing is that over the years insurance companies are seeing so many law suits that they are taking harder lines on underwriting. The lawsuits alone for trampoline injuries is staggering. 30 years ago people did not have trampolines. Or if someone fell on your property they did not sue. Now people sue for everything. An insurance company sees horses as a risk because people can fall off and get hurt. You have a neighbor kid over and he falls off the horse, you can get sued big time. They don't care if you don't let anyone else ride, you could, so that is what they care about.
Also, if your home is in disrepair or not maintained well, it is a higher risk for fire, water damage etc. Good maintinence is important. I am not defending insurance companies here, just sharing what I know. I know there are companies out there that are not good. It is maddening to know you have paid in all these years and can get dropped for one thing.
As for selling eggs. That is a huge exposure cause if your chickens make a lot of people sick-lets just say salmonella or something else, you could have many people sueing you at once. That is why commercial insurance has higher rates. They are selling something. Higher risk=higher rates for insurance.
PM me if you would like more info.
We bought this farm last Dec. and just got our new homeowners policy in the mail. It went up 50% to over $13,000, $8,000 after multiple home/policy discounts. And that's on this home alone, same company insures our other home and that policy is also several thousand dollars a year. DH called to find out why. Seems they just got around to calling our fire department and we are in Zone 10 which means basically "no coverage" and it's a 100 year old home. Doesn't matter we are less than 2 miles from the high school and fire hydrant just down the street. Zone 10 is the same if you are 2 miles or 1,000 miles from the hydrant. Doesn't matter we have a pond that could be used or heck, even the old, systern. We are now shopping around for new insurance, with not any luck, so this thread has been helpful to know. I'm thinking we need to shop farm insurance because we are running a working farm with all sorts of livestock.
We're a bit frustrated with insurance right now. At the closing last year, we used the agent who already coverage on the home. We went with a $500,000 policy to cover what we had in the house - cost about $6,000 due a full year in advance at closing - used Chubb. Chubb sends agent out who takes pics. We get two packages in the mail. One contained a leather bound, full color appraisal brochure that said home was worth $1.7 Million dollars and they would want to triple our rates. Second letter was just a form letter that said they were cancelling our insurance within the week because - and they checked the box that said - "home is in poor condition". They cancelled us and kept our check for another few weeks before returning same, meanwhile we had to find new insurance and pay that bill. Now they, Liberty Mutual, are finding some excuse to raise the bill by several thousand dollars.
I'm fed up with insurance and am really leaning toward not taking out any at all.
We're a bit frustrated with insurance right now. At the closing last year, we used the agent who already coverage on the home. We went with a $500,000 policy to cover what we had in the house - cost about $6,000 due a full year in advance at closing - used Chubb. Chubb sends agent out who takes pics. We get two packages in the mail. One contained a leather bound, full color appraisal brochure that said home was worth $1.7 Million dollars and they would want to triple our rates. Second letter was just a form letter that said they were cancelling our insurance within the week because - and they checked the box that said - "home is in poor condition". They cancelled us and kept our check for another few weeks before returning same, meanwhile we had to find new insurance and pay that bill. Now they, Liberty Mutual, are finding some excuse to raise the bill by several thousand dollars.
I'm fed up with insurance and am really leaning toward not taking out any at all.
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Anyway back on topic ......
Bull dog girl ....last year I was looking for farm insurance for my CSA and called all over WA and OR, no one knew anything about it. I even called the agent of another CSA owner where she gets her farm insurance .....the agent had no clue what I was talking about.
Had no clue what a CSA was or why I would need farm insurance even though his client gave me his name and #.
I have yet to find any which is delaying the opening of my CSA.
Bull dog girl ....last year I was looking for farm insurance for my CSA and called all over WA and OR, no one knew anything about it. I even called the agent of another CSA owner where she gets her farm insurance .....the agent had no clue what I was talking about.
Had no clue what a CSA was or why I would need farm insurance even though his client gave me his name and #.
I have yet to find any which is delaying the opening of my CSA.
- Thread starter
- #39
As for selling eggs. That is a huge exposure cause if your chickens make a lot of people sick-lets just say salmonella or something else, you could have many people sueing you at once. That is why commercial insurance has higher rates. They are selling something. Higher risk=higher rates for insurance.
I'm selling hatching eggs. Also, I am NPIP certified and the pullorum thyphoid testing is for a type of salmonella. If your birds have any type of salmonella the test is going to come up positive.
Also I have had up to six horses here at my place. My house in a rural area and always has been. Most of the neighbors have horses.
I wish that insurance companies had to repay yearly premiums to policy holders if there were no claims - minus a small administration type fee. Wouldn't that be a hoot! Think of how much money we would all have back in our pockets from our auto insurance and homeowners policies!
Sometimes I think it would be cheaper not to have insurance and pay everything out of pocket.
I'm selling hatching eggs. Also, I am NPIP certified and the pullorum thyphoid testing is for a type of salmonella. If your birds have any type of salmonella the test is going to come up positive.
Also I have had up to six horses here at my place. My house in a rural area and always has been. Most of the neighbors have horses.
I wish that insurance companies had to repay yearly premiums to policy holders if there were no claims - minus a small administration type fee. Wouldn't that be a hoot! Think of how much money we would all have back in our pockets from our auto insurance and homeowners policies!
Sometimes I think it would be cheaper not to have insurance and pay everything out of pocket.
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