Home insurance recommendation

[infoseeker]

While waiting for 2 days to get the wawanesa quote in snail mail, I got quotes from AAA and Residence Mutual (Western Mutual Insurance Company). Residence Mutual gave a significantly lesser premium than AAA for the same parameters. I havent heard of Residence Mutual but california insurance commissioner website ranks them very good as far as least complaints. Do any piggs have policy with them? Are they good? Also they dont participate in CEA (California Earthquake Authority) pool and have their own earthquake insurance that has higher premium than CEA (for same parameters)… Is it a good or a bad thing.

[smshorttimer]

If you are within 10 miles of brush, Wawanesa will decline. Just kidding – sort of – but the company is very selective. We’ve had auto with them for years. They rejected us in Fallbrook years ago and they just rejected us for south San Marcos.

[smshorttimer]

If you are within 10 miles of brush, Wawanesa will decline. Just kidding – sort of – but the company is very selective. We’ve had auto with them for years. They rejected us in Fallbrook years ago and they just rejected us for south San Marcos.

[smshorttimer]

If you are within 10 miles of brush, Wawanesa will decline. Just kidding – sort of – but the company is very selective. We’ve had auto with them for years. They rejected us in Fallbrook years ago and they just rejected us for south San Marcos.

[smshorttimer]

If you are within 10 miles of brush, Wawanesa will decline. Just kidding – sort of – but the company is very selective. We’ve had auto with them for years. They rejected us in Fallbrook years ago and they just rejected us for south San Marcos.

[smshorttimer]

If you are within 10 miles of brush, Wawanesa will decline. Just kidding – sort of – but the company is very selective. We’ve had auto with them for years. They rejected us in Fallbrook years ago and they just rejected us for south San Marcos.

[zzz]

My philosophy on insurance is its necessary and ultimately it comes down to peace of mind. What would you pay to know that your insurance company will pay without hassles, that you are adequately protecting your assets? For me, having good customer service and hassle free claims is worth a premium. I have State Farm, they are certainly not the cheapest but I’ve been with them for a long time and they are excellent in their service. However, if you have multiple policies with them, they do give credits, and if State Farm had a year where lower than expected claims were made, thereby increasing their profits, they mail you a check at the end of the year rebating some of your policy money.

If you have any assets- which I assume since you will soon own a home, I’d highly suggest you get an umbrella policy. I believe CA homestead exemption is ridiculously low. Most people are underinsured– in the case of the fires and total loss, many people found they were far from adequately insured. And lets not get into lawsuit happy America.

If you do get an umbrella, make sure you buy all your policies from the same insurer.

[zzz]

My philosophy on insurance is its necessary and ultimately it comes down to peace of mind. What would you pay to know that your insurance company will pay without hassles, that you are adequately protecting your assets? For me, having good customer service and hassle free claims is worth a premium. I have State Farm, they are certainly not the cheapest but I’ve been with them for a long time and they are excellent in their service. However, if you have multiple policies with them, they do give credits, and if State Farm had a year where lower than expected claims were made, thereby increasing their profits, they mail you a check at the end of the year rebating some of your policy money.

If you have any assets- which I assume since you will soon own a home, I’d highly suggest you get an umbrella policy. I believe CA homestead exemption is ridiculously low. Most people are underinsured– in the case of the fires and total loss, many people found they were far from adequately insured. And lets not get into lawsuit happy America.

If you do get an umbrella, make sure you buy all your policies from the same insurer.

[zzz]

My philosophy on insurance is its necessary and ultimately it comes down to peace of mind. What would you pay to know that your insurance company will pay without hassles, that you are adequately protecting your assets? For me, having good customer service and hassle free claims is worth a premium. I have State Farm, they are certainly not the cheapest but I’ve been with them for a long time and they are excellent in their service. However, if you have multiple policies with them, they do give credits, and if State Farm had a year where lower than expected claims were made, thereby increasing their profits, they mail you a check at the end of the year rebating some of your policy money.

If you have any assets- which I assume since you will soon own a home, I’d highly suggest you get an umbrella policy. I believe CA homestead exemption is ridiculously low. Most people are underinsured– in the case of the fires and total loss, many people found they were far from adequately insured. And lets not get into lawsuit happy America.

If you do get an umbrella, make sure you buy all your policies from the same insurer.

[zzz]

My philosophy on insurance is its necessary and ultimately it comes down to peace of mind. What would you pay to know that your insurance company will pay without hassles, that you are adequately protecting your assets? For me, having good customer service and hassle free claims is worth a premium. I have State Farm, they are certainly not the cheapest but I’ve been with them for a long time and they are excellent in their service. However, if you have multiple policies with them, they do give credits, and if State Farm had a year where lower than expected claims were made, thereby increasing their profits, they mail you a check at the end of the year rebating some of your policy money.

If you have any assets- which I assume since you will soon own a home, I’d highly suggest you get an umbrella policy. I believe CA homestead exemption is ridiculously low. Most people are underinsured– in the case of the fires and total loss, many people found they were far from adequately insured. And lets not get into lawsuit happy America.

If you do get an umbrella, make sure you buy all your policies from the same insurer.

[zzz]

My philosophy on insurance is its necessary and ultimately it comes down to peace of mind. What would you pay to know that your insurance company will pay without hassles, that you are adequately protecting your assets? For me, having good customer service and hassle free claims is worth a premium. I have State Farm, they are certainly not the cheapest but I’ve been with them for a long time and they are excellent in their service. However, if you have multiple policies with them, they do give credits, and if State Farm had a year where lower than expected claims were made, thereby increasing their profits, they mail you a check at the end of the year rebating some of your policy money.

If you have any assets- which I assume since you will soon own a home, I’d highly suggest you get an umbrella policy. I believe CA homestead exemption is ridiculously low. Most people are underinsured– in the case of the fires and total loss, many people found they were far from adequately insured. And lets not get into lawsuit happy America.

If you do get an umbrella, make sure you buy all your policies from the same insurer.

[Author]

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