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Fiendish Thingy

(24,225 posts)

13. We've never had a problem

Reply to mahatmakanejeeves (Original post)

Sun May 31, 2026, 09:52 AM

Yesterday

In the US we had State Farm, only made a couple of claims in 25 years, both paid without hassle (one involved a woman whose car rammed through our fence and hit the corner of our house- fence destroyed, house only minor external damage- they went after her insurance company)

In Canada, we use BCAA (AAA equivalent) which is underwritten by Manulife. One claim in the seven years we’ve been here, paid without hassle. When we paid off our mortgage, our insurance agent was worried we would cancel our insurance…seems crazy to me to not carry homeowner’s insurance.

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Highlight:

The Home-Insurance Coin Flip: Nearly Half of Claims Result in Zero Payout [View all] mahatmakanejeeves Yesterday OP

It is all junk insurance for homeowners now... OhioBack2Blue Yesterday #1

If a customer has a question, that sets off an alarm with those mother-f6ckers wolfie001 Yesterday #3

You can't even have them check to see if your roof is okay after a hail storm. moreland01 19 hrs ago #40

Expect more crappy outcomes with the KKKrappy occupant in the WH nt wolfie001 Yesterday #2

Umm... that reticence runs throughout the entirety of the insurance racket. OldBaldy1701E Yesterday #4

Yup lonely bird Yesterday #9

Not just necessary for mortgage holders but required. mdbl 23 hrs ago #29

THE BIG FIVE: These are the biggest offenders. New Jersey's Department of Insurance listed companies with 3Hotdogs Yesterday #5

We had State Farm lonely bird Yesterday #8

That's not what Jake from State Farm says. mdbl 23 hrs ago #30

I bet they don't even cover chip board glue now bucolic_frolic Yesterday #6

Another insurance rip-offs are the health insurance clubs that are not insurance. They are not rated by state agencies 3Hotdogs Yesterday #7

Medishare? lonely bird Yesterday #10

Sirius XM. Christian Healthcare Ministries. 3Hotdogs Yesterday #16

Insurance is a scam. it started coming clear to me because of a movie mwmisses4289 Yesterday #11

May I suggest? lonely bird Yesterday #25

Wow, never heard of that one. Will look for it. Love Meryl. mdbl 23 hrs ago #32

We know this has been the trend line for health "insurance" for a long time Bluetus Yesterday #12

We've never had a problem Fiendish Thingy Yesterday #13

What year was your last State Farm claim? mdbl 23 hrs ago #33

Oh jeez...I'm not sure Fiendish Thingy 22 hrs ago #36

Peace of mind for the bank only... JT45242 Yesterday #14

So you'd think homeowners would have an ally in the bank that owns the home Bengus81 Yesterday #18

Link to non-paywall article flvegan Yesterday #15

"I don't understand why people post shit nobody without a subscription (to the WSJ, no less) can read." mahatmakanejeeves Yesterday #19

There's a better way to deal with that than just denying claims mdbl 23 hrs ago #34

State Farm is not like a good neighbor, they suck Historic NY Yesterday #17

Everything is a scam now. Oneironaut Yesterday #20

How well I know... KSL-Washington Yesterday #21

We just dumped USAA (after 70 years with several generations of my family) moreland01 19 hrs ago #41

Too often, when someone files a homeowners claim their policy is not renewed by the insurer dlk Yesterday #22

Kick dalton99a Yesterday #23

I had a water claim a few years back. All the basements on my block flooded because a storm drain behind our Raftergirl Yesterday #24

I have also had a recent experience with Nationwide (luckily) and they have been remarkable FakeNoose Yesterday #28

Great to hear this and good luck with the rebuilding! Can't imagine going through something like that with Raftergirl 23 hrs ago #35

About how many years back was that? pnwmom 19 hrs ago #43

'22 or '23. But I have this specific coverage in my policy. As another poster wrote, it only costs an extra couple Raftergirl 18 hrs ago #45

Our broken pipe and the damage was covered. On top of that, pnwmom 8 hrs ago #46

Catastrophic Losses Backstopped By Government 2na fisherman Yesterday #26

Like a good little drone, I've been paying house insurance premiums since 1978, BobTheSubgenius Yesterday #27

The companies pay some people a lot of money Quanto Magnus 23 hrs ago #31

People are not customers any more. hunter 22 hrs ago #37

It pays to spend a little time with an agent to understand what your insurance is covering sarisataka 21 hrs ago #38

That graph is close to tracking the past three Presidential elections Uncle Joe 21 hrs ago #39

The bastids join in on the fleecing of the majority of Americans GreenWave 19 hrs ago #42

Well to be honest i thought it was higher. Figarosmom 18 hrs ago #44